Bad at budgeting?
ADMITTING you are bad with money is not always the easiest thing to do, but Caroline Cavanagh has a way to get back on track.
Ms Cavanagh is running CAP Money Budgeting courses in Kingaroy for free later this month.
She says there are all sorts of ways people go wrong with budgeting.
"People aren't aware of how much they are spending and there is a lot of use of credit, " Ms Cavanagh said.
"When everyone had cash when it was gone it was gone; it's a modern issue with easy access to credit."
She said one of the key things in the course is to work on a cash basis.
"That could be a bit foreign to a lot of people," she said.
The course runs with two two-hour sessions over two weeks.
"The first week you come along part of the first week is putting together a budget do that as your homework," Ms Cavanagh said.
"Learn in the second session the strategies of putting it together."
Ms Cavanagh said living within a budget was like a jigsaw. You make a budget first - the border of the jigsaw - then you fill it in with expenses.
"A lot of people who have done the course said they were feeling stressed and worried," she said.
"Practical strategies can change a person or a family's life."
Ms Cavanagh said one of the participants in the first course went along and realised how out-of-control her finances were.
"In a small group of people she was able to build a rapport with, she was able to come back and there was trust that was built and a non-judgmental environment," she said.
"It can be really confronting. I encouraged people to join up with a friend mutually supportive and support each other."
The next course is over two Tuesday nights on October 13 and October 20 from 7pm- 9pm.
It will be held at the Highway Centre on the corner of the D'Aguliar Hwy and Eden Vale North Rd.
The course is free.
To express interest in the course email email@example.com.