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Horse Riding Plans for the Kiddies this Year

The Kiddies went horse-riding for the first time in the summer of last year. They loved it! I must confess that I was a bit worried at first. I wasn’t too sure how they would handle being close to a horse, not to talk of actually riding one. But they handled it like pros. They were very confident and comfortable on the horses. I was so proud.

We had the opportunity to take the twins horse-riding last summer at Cheshire Ice Cream Farm. They rode on the horses for a few minutes and enjoyed every bit of it. And they haven’t stopped talking about it. Which is why we are now considering having them enrolled in horse-riding classes this year.

 

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My Interest in Horses

I have always been interested in horses as far as I can remember. Horses are so beautiful. I love watching them all glammed up in a horse turnout rug. They always look so adorable.

Back in the day, I got the opportunity to ride a horse once, but never got the chance to go for proper horse-riding lessons. Which is why I am eager to get the kiddies enrolled this year. I have had a look around for horse -riding schools close by and I have found a couple I think I like. There are loads of horse-riding schools available in Cheshire, which is great. I was surprise to find as many as I found. The only thing stopping me now is the prices of the lessons around. Getting qualified instructors means the lessons come with a hefty price tag as expected. One of the horse-riding schools we are interested is charging as high as £22 for a 30 minutes lesson.

 

 

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Horse-riding is high on our to-do list for the year, so we are definitely going to look into the kiddies having some lessons this year.

 

Do your kids go horse riding? How are they finding it?

 

*Collaborative post.

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Self Employment on a Budget

I have been self-employed for a few years now and although I love it, it does come with its challenges. On some month, I am super busy and my bank account is smiling. And some other months, it can be super quiet. One minute I could be wondering how to pay some bills, and the next minute I could be laughing all the way to the bank. That is pretty much the life of a freelancer/self-employed person. Our income fluctuates and there is so much financial uncertainty but I won’t trade it for a job in an office with a regular pay check. The pros of being a self-employed person massively outweighs the cons for me, which is why I do what I do.

 

You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want image

 

 

You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want

Having said that, the key to surviving the self employment world is to have a budget. I love reading finance self-help book on my Amazon Kindle. The book I am currently reading is You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want by Jesse Mecham. It is the first book I am reading this year and I am loving the budgeting tips and advice. I have picked a lot from this book and I recommend it to anyone struggling to make the most of their money. You need to read this book. It is full of wisdom and valuable tips. 

Everyone needs a budget regardless of what you do for money. Business owners and freelancers need a budget more than everyone else because of the income fluctuations. Having a budget helps you plan your money and make your money work for you. If you budget right, you can survive on periods where work is quiet because you would have saved money from the busy months. 

 

Self Employment on a Budget

I am going to be handling my money a little differently this 2019. Generally, I am good with money but there is always room for improvements, and I plan to be better this 2019. Here are some things I would be doing more of –

 

Ageing my money

Jesse Mecham advises us to age our money. What this means is for us not to spend all of our money as soon as it comes in. This makes a whole lot of sense. Ageing your money allows you think smartly and set your priorities straight. It takes off the stress of having no money in your bank account and it allows you plan your life.  Ageing your money allows your money wait on you instead of you waiting on your money. It sounds pointless but it works. Trust me, I have tried it. The longer you can age your money, the better. I aim to age my money for at least 30 days. It is a work in progress but I am slowly getting there.

 

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Spend less than what you earn

This should be common sense but it is amazing how we spend way more than what we earn. Which leads to us having to use our overdraft facility, store cards and credit cards to make up for the difference. Spending less than what we earn is the way to financial freedom.

 

Grow the savings

Having money saved away is the way to survive self employment. With the income uncertainty, you never know for sure when you would be short, so it makes sense to always have money stashed away for when the need arises. Growing the savings is one of my many goals this 2019.

 

Make more money

2019 is the year of making more money. That is another goal I plan to seriously work on this year. The way to financial freedom is to have many streams of income. I am planning on working hard on making money via affiliates and I am using an affiliate link in this post for the first time in a long time. Having many streams of income means you have various ways of making money. No one should ever rely on 1 pay check.

 

Do you have a budget?

 

*Affiliate link used.

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