What an ominous title. But here today I am going to talk to you about the importance of lists. It may sound silly to some who like to live their lives on a whim but I find I am definitely more organised if I have a list. Of course, sometimes I forget to write one or even take it with me but by listing stuff you may find yourself not having to worry about money as much.
What lists do I make?
Shopping List – This one is very basic – I have the basic food stuff on there like pasta, bread, milk, tins etcetera but when it comes to meat and fruit, I don’t tend to use a list and generally just decide on what I want when I get there. I know how much I want to spend on meat so I don’t overspend but it leaves me more choice. Next time I go to the supermarket I actually won’t need to buy any meat because I got a whole load of it for £20 from our local meat van today – much better prices than the supermarkets!
Bills list – Know what bills are going out when. I have a list on my phone and in my diary so I know what is due out when and also add to this if I know any one off bills are due out.
Income list – Obviously if you are self employed, this is pretty self explanatory as you need to keep a record of your income for tax purposes. However, even if you are employed and tax is sorted through your employer, it is handy to know what you have coming in so you can work out how much is going to bills, savings, general spends.
Spends list – I am a nightmare with this and never remember to do it – but this is basically listing what you are spending on with the money from your general spends. This can help you to easily identify where you are losing the most money (when I was in retail, it would have been Costa Coffee) and you can go about sorting it out.
Do you use lists? Do you think they have an importance in everyday life?