Mother’s Day 2020 On A Budget

mother and child walking down in sand

Relating to our previous blog on why you should use a budget, we thought it would be a great idea to relate a budget to a real life scenario. Mother’s Day 2020 is just around the corner and there is nothing better than spoiling one of the special women in your life. But, not all gifts, experiences or moments have to be expensive, or even cost any money at all. So, if you are wanting to know the secrets of how to manage mothers day on a budget, carry on reading.

What Is Mother’s Day And When Is It?

Mother’s day is a day to celebrate the mother in your family. But, not only your mother, you need to think about the influence of mother’s in todays society and how much they impact what happens. This year, mother’s day falls on Sunday the 22nd of March. So are you ready and prepared for Mother’s Day 2020?

You don’t always need to buy expensive gifts

Not everyone wants to spend money on their mother for mother’s day. Some people may not have the money too shower their mother in multiple . But, realistically, you can tell her and show her how much she means to you without all of that money being spent.

Not everything is controlled by money. It shouldn’t matter if you spent no money this mother’s day or spend all the money you have got. There are plenty of gift ideas out there which don’t cost any money at all.

Gift Ideas for Mother’s Day 2020

Find something for your mother in our gift ideas below:

Outdoors, two people sat on bench looking into view on mother's day 2020

1. Explore The Outdoors

Whether you are in the country side, on the beach, or in a city, getting out and getting some fresh air is something everyone likes to do once in a while. Perhaps your mum isn’t the type of person who likes to venture into the cold weather so this idea might not be the perfect one for you. But nevertheless, it is always an idea to keep in mind incase it really is a perfect idea in the future.

kids doing the housework for mother's day 2020

 

 

 

 

 

 

 

 

 

 

2. Do The Housework

Whether you, your mother, or your father does the house work it is always a pleasure to be helped out. Give your loved ones a break from cleaning the mess created in the house. Let your family relax in peace knowing everything is being kept on top of.

painting to then make a DIY gift or card for Mother's Day 2020

 

 

 

 

 

 

 

 

 

 

 

3. Get Creative

There is nothing better than knowing someone has put effort into something with you in mind. Whether it be buying their favourite flowers or even something more special and unique like creating a DIY card or gift for your mother this mother’s day. One of the most common things which children like to create for mother’s day is a handmade card. They tend to be something which mother’s like to keep and look back on in the future.

Can I Still Buy Something For Her?

Although this blog post cover three of our favourite free ways to give your mother the best mother’s day, it doesn’t mean you can’t spend anything. We believe if you have something in mind and you feel comfortable buying a gift and spending money on your mother, why not do it. But, despite the fact buying an expensive gift is great, if you feel as though you cannot afford it, we believe you shouldn’t get it. The last thing you want is to be find yourself in debt because of over spending at times like this. So, you should ensure that you have come up with a budget and you understand what you can and cannot spend.

If you need any help with any payments throughout the year, personal loans could be a great option. Personal loans can be used for anything, hence the name. But that doesn’t mean they should be. Simple Personal Loans offer personal loans from £1000 to £35,000. Before applying for a personal loan you need to think carefully to ensure it is the best idea for you.

Why should I use a budget?

budgeting

Budgeting

Budgeting is the act of creating a financial plan to suit you and your finances. It is often over a fixed period of time, whether this is half a year or a whole year. Creating a budget allows you to determine in advance whether you will have enough money to do the things you need to do or would like to do.

Why are budgets important?

A budget will enable you to see how much money you can spend over a certain period of time. Usually, people make a budget every month for a year, meaning that they are able to break down the month. This lets them understand how they can use their money without causing stress or havoc to their income. The last thing anyone wants is to be living paycheck to paycheck, so this is why it is important to be able to exactly see and plan the month ahead.

Image result for budget

Can anyone budget?

The simple answer is yes! Even whilst living on minimum wage, it is possible to be able to budget each month. You just need to find the perfect budgeting challenging to suit you and your income. For example, someone who earns triple digits will have a different budget to someone who earns less or more. It is entirely down to personal income and how much you spend on essentials in day to day life.

What are some of the most common budget plans?

The most common plan that people tend to believe works the best is the 50/30/20 rule. This is where 50% of your income is spent on the essentials like food and bills, 30% of your income goes on things you want. This could be things like clothing and eating out. Lastly, the remaining 20% should be saved, whether that be in a savings account or in a way that suits you. This has been proven to work for hundreds of thousands of people around the globe, but that doesn’t mean it will work for you, so here is another common plan.

Why not try an online budgeting plan? There are plenty of websites which will work out a plan for you for free if you enter all of the necessary information. Whilst you’re imputing all of your information, you will be able to see how much you exactly spend and where your money goes. In today’s society with technology advances and changes, it is so easy to spend money in a matter of seconds and then forget what you’ve bought in a weeks time. So, it will not only help with finding the perfect budget. But, it will also help you understand your spending patterns.

Is it bad if I don’t use a budget?

If you don’t use one and you are in a great financial position with no worries, then it might not be essential to you. But, that doesn’t mean you shouldn’t use one. We personally believe that everyone would benefit from a plan. Everyone should know how to manage their finances and exactly what they spend money on.

What can I do if I need money but don’t have enough?

If you are faced with an emergency but have no savings, one of the few options available is a loan. A personal loan is there to help you afford a large purchase or pay for an unexpected bill quickly. Thankfully, with Simple Personal Loans, you can borrow up to £35,000 for up to 6 years. This enables people to afford exactly what they need whilst giving them a stress-free repayment period.

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