Not so boring budgeting

Not so boring budgeting

Not so boring budgeting 

As part of a 4-month bespoke course, I decided that budgeting was something that definitely needed to be included. Through our 1-2-1 sessions 90% of the young people mentioned they are either bad at managing their money or would like some extra assistance. Most people were happy to come in and get started, but Tom, 23, needed a bit more convincing:

Tom: “I don’t want to do budgeting, I’ve done it so many times man, I don’t get it, it’s boring”

Scarlet: “have you ever done budgeting with me though?… ok then, in you come and let me know how you feel afterwards”

The session was compiled of a step-by-step guide to understanding our relationship and the uses of money before we even looked at the budgeting aspect.

Key works were used, broken down, explained.

Worksheets were completed as a group, in pairs, as individuals and from discussions we’ve had.

When the session ended 2 hours later, Tom asked if he could stay behind.

We then went through his personal budget as he didn’t want to do it in front of everyone. We pointed out that his outgoings were exceeding his income and he already had two debts to pay off. I explained how easy it is to get into debt in a situation like his, where he spends more than he earns. He agreed.

We then looked at his expenses one by one and questioned if he could reduce them in any way. We found a few items that he could live without or cut back on and we made a note of the savings.

Tom: ” I didn’t realise that I spent that much, yeah I need to cut back on a lot of things”

Scarlet: “Budgeting’s not so bad after all eh (with smug face intact) “

Tom: “Whatever (laughs)… thanks miss”

‘Money March’

‘Money March’



No, this is not a shallow statement.


Because, quite simply, without money, YOU CANNOT SURVIVE.

For the bear basics of survival like shelter, food and water, MONEY is essential.

Further to these basic fundamentals, in order to live our dreams, in order to travel, in order to live our best lives, in order to give back to others and help those in need, in order to fulfill our potential and live our truth……we need MONEY.

Therefore, to do ANYTHING, to be ANYTHING, MONEY really is EVERYTHING.

Your relationship with MONEY goes right back to your childhood.

Did you ever hear when you were growing up ‘Money doesn’t grow on trees?’

It is an age-old story that most performers and artists live in debt and in poverty. This is because true creatives prioritise their talents and their craft and don’t place MONEY first. MONEY is not at the top of their passion list, their dream list or their priorities list!

However, in order to have MONEY to create and to fulfill our creative passions and dreams that are on the top of our list, we need to place MONEY at the top of that list TOO.

So, we need to prioritise MONEY and place it on our Tree. Yes Tree!

MONEY MUST at the top of our ‘Tree of Life’ and we MUST allow it to GROW!!

So yes, MONEY DOES GROW on Trees!