Budgeting Is Crap: It Causes Stress, Anxiety, and Sleepless Nights. Learn The Alternative Solution To Not Flushing Your Money Away

By Samantha Boardman

Budgeting Is Crap, is a lighthearted read about the struggles that budgeting creates, how best to combat the financial stress, and enables you, the reader, to learn the best steps forward. While reading this book, learn about and relate with stories from leading Spending Planner Samantha Boardman.

Budgeting no longer works. Get a Spending

• Language: English
• Publisher: Spending Made Easy
• Release date: Sep 23, 2019
• ISBN: 9780648705017

Samantha Boardman

Samantha Boardman (Sam) was born and raised in Stockport, South of Manchester, England, UK. She is the youngest child in the family and has an older Brother and Sister. Sam left school as soon as she could and worked in Insurance for almost fourteen years. In those years in insurance, she carried out a variety of roles and even studied to be a Financial Adviser. Once she passed these exams, and was qualified to give Financial advice, she moved to Toulouse, South of France with her long-term partner at the time. Sam settled into France well and eventually worked for British Aerospace for almost 17 years. She bought land, built a house and even became fluent in French and still has French friends to this day. In 2002 Sam was offered the opportunity of a short-term secondment to Adelaide, South Australia. Never shy of a challenge, Sam jumped at the chance. The secondment was a welcome relief and was initially for two months, but the arrangement worked well and she was eventually offered full time, permanent employment in Adelaide, South Australia. Sam eventually left British Aerospace and took up other forms of work. During these twelve months, she raised a Guide Dog puppy "Monty", did all sorts of Volunteer work including worked for the RFDS (Royal Flying Doctor Service), Lifeline (the Suicide Prevention Helpline) and also took the opportunity to travel and explore overseas - even heading back to Toulouse to visit long-time friends. Sam has always worked in a logistical, number crunching, fact finding environment and eventually founded Spending Made Easy in 2016. Sam loves talking, planning and problem solving, but most of all, she loves helping people. Sam has a non-judgemental, "tell me anything" personality and is never short of something to say. Sam has budgeted all her life and is now an expert in the field of Spending Plans.

Book preview

Budgeting With 10 Pence

Chapter 1

Right then, where do I start? I am often asked how long I have been Budgeting for and where I learnt to budget. The fact of the matter is that I have ALWAYS budgeted. Haven’t we All? Whether we do it poorly or nail it, we are all Budgeting in some form or another.

My very first memory of Budgeting is when I was a little girl… The newspaper used to be 8 Pence (I grew up in England, hence the 8 pence – Great British Pence). I would be given 10 pence by my Father to go and get the evening newspaper. As I was actually doing a chore, the extra 2 pence was my payment. Whooppee! I could go and choose what I wanted to spend my 2 pence on. Being a young girl, it would always be sweets (Whoops - Lollies!). I could get 4 lollies for 2 pence. Bargain, and well worth the effort of the walk to and from our local newsagent.

On the walk I would also take the dog (bonus point for taking him for a walk). I used to love walking the dog. He was a Police Dog, called Saki. I would plead with him to sit and wait outside the shop and he did so regularly. Taking instructions from a child as if his life depended on it. He was so obedient.

One day, when I came out of the shop with the newspaper, and my 4 lollies, he was gone! Disappeared! I was only in there a few minutes buying the trusty newspaper and he had managed to escape.

After about an hour of searching for poor lost Saki, I headed home with the newspaper, and no dog! What would the Police say? I had lost a Police dog! Saki used to love carrying the newspaper home for his real Master; my Father. He didn’t even get it wet in his mouth. He was that gentle (not if you were a criminal though) and he won many awards. Saki was fabulous and I always considered him my best friend.

Anyway… on this particular day, I walked home without Saki, scared to death of what my Father would say. As I began to blubber and confess what had happened, I was advised that Saki had been home over half an hour! Damn you clever, obedient Police Dog, with excellent navigational skills! That day I didn’t particularly enjoy my 4 lollies but I had brought the newspaper back in one piece and so I had earned them. That is my very first memory of budgeting.

I guess I didn’t know at the time what I was really doing. All I knew was that I was allowed to keep the 2 pence for going to the shop in the first place.

When I was a little older, I wanted a horse. A Palomino Pony to be exact. I just loved the biscuit colour of the coat, white mane, and tail. They were the most beautiful things on the planet as far as I was concerned and so I just had to have one. As any child does as they are growing up, I nagged (and nagged and nagged) my parents about wanting my Pony. I neeeeeeeeded a pony.

As with any pet, I of course promised to take care of it, look after it, feed it and ride it every day. No matter how nicely I asked, or how many times I tried to work my cute little girl charm, no-one was going to buy me a pony. Many Christmases and Birthdays came and went, and there was never a Palomino gift wrapped for me to open.

Being a kid with no money sucked sometimes as I wanted and needed many things, but could never afford them. In this case, I had to figure out what I was going to do to ensure that a Pony, and a