Blog

Why Budget?

Budgeting, Money Worries
Before talking about what it’s like to live with a budget, let’s look at life without a budget. You can let each dollar do its “own” thing. Have you ever heard someone say that as long as they have checks in their checkbook, they can write them?  That is not taking into account what the balance may be or what checks may have been written.  Folks also will write checks and keep a register but do not have a plan for their money.  It may be possible to operate without a plan for a while and be OK, but it will catch up with you.  But this way of dealing with your money is characterized by: In the back of your mind you are concerned about cutting it too close…
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How to Eliminate the Sleepless Nights!

Budgeting, Getting Started, Money Worries
How do you eliminate the sleepless nights caused by your money worries?  How do you eliminate the sleepless nights caused by your money worries?  Your mailbox is a constant stream of reminders that you are late or past due or overdrawn. You want money peace of mind! You know that you should be able to be better at handling your money.  You know that you are capable of getting this under control!  What is wrong with your system?  You may need accountability.  You may need a new system. Most people are struggling with money, in fact, 76% of Americans live paycheck to paycheck.  Perhaps you can identify with this struggle.  You may have wondered where your money has gone.  You may have found yourself with too much month at the…
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How do I start?

Budgeting, Getting Started
What do I Need to do to Begin Gaining Control of My Money? Four Essential Steps! What are the fundamentals that you need to have in place to gain control of your money? The Tools: List of Assets or things that you own.List of Liabilities or things that you owe.A register or list of money transactions.A budget or spending plan. List of Assets that you own: This list is the place to begin. The list the assets includes cash on hand, checking account balances, savings account balances, retirement balance and other investments. This list includes items that you could easily convert to cash. The only other asset type that should be included in this list is real estate that is in your name. For this list, do not include items…
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