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Easy Ways to Budget Your Income

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Easy Ways to Budget Your Income

Easy Ways to Budget Your Income

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Home Page > Finance > Easy Ways to Budget Your Income

Easy Ways to Budget Your Income

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Posted: Oct 12, 2009 |Comments: 0
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While we may know how much money we have coming in, studies show that most of us don’t know what is going out. Not knowing how much money we spend each month may cause us to use credit cards or get a payday loan to cover the shortfall.

We need to actually monitor our spending habits to find out the best way to maximize our financial resources. The best way to do this is to keep track of every purchase made, regardless of whether you use a check, credit card, or cash. In learning how to prepare a budget, it is important that this is done for two to three months.

Monitoring spending is helpful

This may seem to be a little bit tedious to do, but the results will really help get you on track financially. By monitoring your spending habits, you accomplish two things.

First, you will be able to confirm that your budget is accurate. If your budget calculations are off, then it will not be easy to stick with. Remember, a budget is not meant to be a constraint. You want to have a budget that reflects your actual spending habits.

Second, you will be able to see some of your own common mistakes. You will begin to see how those little purchases add up.

For example, I love donuts. Although I try not to eat them too often, there are many times that I’ve bought one or two donuts from the mini-mart when I stopped to get gas. I may only spend one dollar at each stop, but if I do this two or three times a week, that can add to my food budget. If I were to pick up coffee as well, that might add another or .

If I did not figure this into my food budget, I would have problems. Since all of our money is supposed to be accounted for in our budget, there is no “extra” money. That means that if I don’t take it from my food category, I am taking that or from another category. This would throw the entire budget off course.

Beware of small, impulse purchases

Small and impulsive purchases like this are usually the reason that our money does not make it through the month. Lots of little purchases can end of eating away a significant chunk of our monthly income because we don’t really see it happening. The money disappears a little at a time, so it doesn’t hurt until we look at the big picture.

Another good example of this happening is buying lunch every day at work. If we run out and get fast food every day, that can be a day, a week, and 0 a month. If two spouses are doing this, it adds another 0 a month to the food budget.

To make this exercise easier, ask for receipts for each purchase you make. In the interim, we should keep our receipts in envelopes labeled for each budget category. Then, take time at least once each week to review those receipts and tabulate the totals for each category.

After two or three months, you have much more information to work with and are better able to find trends in your spending habits. Then, it will be easier to make the necessary adjustments so that your budget accurately reflects your spending lifestyle.

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Ozeme J Bonnette -
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Ozeme J. Bonnette is a financial coach, speaker, and author of Get What Belongs to You: A Christian Guide to Managing Your Finances. Her focus is on increasing financial literacy among adults and youth around the U.S. She earned 3 Bachelor’s degrees at Fresno State, and her MBA at UCLA’s Anderson School. Her blog is http://www.povertynorriches.com. Reach her at ozeme@thechristianmoneycoach.com.

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5 Easy & Great Low Budget Wedding Ideas For a Successful Low Budget Wedding

admin — Mon, 07 Feb 2011 06:24:26 +0000

by TalkMediaNews

5 Easy & Great Low Budget Wedding Ideas For a Successful Low Budget Wedding

5 Easy & Great Low Budget Wedding Ideas For a Successful Low Budget Wedding

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5 Easy & Great Low Budget Wedding Ideas For a Successful Low Budget Wedding

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Posted: Jul 08, 2010 |Comments: 0
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It is the fairytale and every girls dream day. Can you picture it being as fabulous as you have imagined on a low budget?

If not, then read on and find out more. A low budget wedding does not mean cheap or tacky for you at all

Make your low budget wedding as special as you have always want but without the financial pain with these simple low budget wedding ideas

1. Be a Budget Bully

Agree it, write it out, file it, entrust it to friends or frame it. Whatever you do, agree it with your partner and stick to it whatever the temptation for either one of you

Do not ruin your dream day with stress over a broken budget? A stress free bride is a happy bride.

2. Prioritise Your Budget

They will have seen all sorts of weddings from the large to the small of the frugal war years Use this to help you decide where to spend money save it on other things

Will you live with a budget wedding dress to have a larger reception?

3. Involve Friends and Family

Get them involved! They will all want to help you anyway. Use that energy to help you. They will also know a lot of people with great skills and contacts.

They may know someone who makes cards and could make invitations, or someone who is a hairdresser, florist or photographer.

4. Decide Who is Important to You both

Who must be there on your special day? Who won’t mind missing the reception meal so long as they get an evening invite, which is cheaper to cater?

Who will understand your position if you cut them out completely. Just remember to take the photos and a piece of cake later!

5. Don’t Sweat the Small Stuff!

You are going to make this day perfect. Everything is just as you dreamed, but without the financial weight to worry about. Do not be distracted by the less important things such as flowers the wrong shade of pink.

These small things do not ruin a wedding day, so don’t let them drag you down.

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You can save valuable time and money on your most important day.

Why sweat about your wedding, when you can feel free to enjoy it, safe in the knowledge you will not be paying for it for the next 20 years

To get more Low Budget Wedding Ideas and your own FREE Wedding Budget Calculator,then come to:

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8 Easy Tips For Stretching Your Vacation Budget

admin — Mon, 22 Nov 2010 06:24:12 +0000

by Geoff Dexter

8 Easy Tips For Stretching Your Vacation Budget

8 Easy Tips For Stretching Your Vacation Budget

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Home Page > Travel > Travel Tips > 8 Easy Tips For Stretching Your Vacation Budget

8 Easy Tips For Stretching Your Vacation Budget

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Posted: Jul 21, 2010 |Comments: 0

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8 Easy Tips For Stretching Your Vacation Budget

By: Arlene

About the Author

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Article Source: http://www.articlesbase.com/ – 8 Easy Tips For Stretching Your Vacation Budget

In today’s economy it has become a necessity for most of us to travel on a budget when vacationing. There are a lot of ways that you can cut out unnecessary costs. Here are eight great tips to help out your vacation budget.

Vacation Budget Tip #1: Plan for the unexpected and include it in your vacation budget

Things just may cost a bit more than you expected so, allow for up to a 20% increase up front and include that as an expense in your vacation budget.

Vacation Budget Tip #2: Carry emergency money

Tuck away some extra small bills for incidentals like cab fare, tips, etc. Don’t get caught with only a bill on you when you want to leave a tip and no way to get change! This could really make a difference in your vacation budget spending.

Vacation Budget Tip #3: Prioritize your spending

Prioritize and set spending priorities in advance for your vacation budget. If you want to eat at a special restaurant or attend a certain event, plan for this expense in your vacation budget. It may mean sacrificing a little bit in some other area (like lodging) but decide what is more important to you and stick to your vacation budget plan.

Vacation Budget Tip #4: Watch those credit cards

Overspending becomes so easy when using credit cards because you tend to not pay attention to the amount you are charging. To keep your vacation budget in line be disciplined in your use of credit cards.

Vacation Budget Tip #5: Get the most efficiency from your vehicle

If you are traveling by car on your vacation, make sure you have your automobile serviced a week prior to your trip. Driving a well-maintained automobile will maximize your gas mileage and efficiency. You might consider saving wear and tear on your own vehicle by renting a vehicle if your vacation budget allows. And if you choose to rent a vehicle don’t opt for a larger and more expensive vehicle than you absolutely need.

Vacation Budget Tip #6: Watch that fuel tank

Don’t let that dashboard indicator get to the “E”. Sure as you do, you are going to be in a remote location where you have to pay top dollar. If you do happen to find yourself in this situation, opt for buying only a half a tank of gasoline. That should get you to a major populated location where gas might be a bit cheaper and you have more choices.

Vacation Budget Tip #7: Take your own snacks and beverages

Pack a cooler with refreshing drinks and water and even some sandwiches. Take along a thermos of coffee and your favorite snacks. This way you can avoid paying the high priced convenience store prices when you stop for gas or a pit stop. Every penny you save this way can go towards a really nice meal in your favorite restaurant!

Vacation Budget Tip #8: Carry a cell phone or a phone card

It seems most of us have a cell phone these days. If you don’t, consider purchasing a no-contract one so that you don’t have to rely on making calls from your hotel or resort and paying their hefty surcharges and long distance rates. If that is absolutely not an option for your budget then at least buy yourself a phone card for necessary long distance calls.

With planning, discipline and awareness of what you are spending you and your family can experience a fun and relaxing vacation and still stretch your vacation budget.

“FREE Video Reveals #1 Secret to Having Your DREAM Honeymoon at Discounted Prices”

Learn about this well-guarded secret in the travel industry from an inside source!”

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“FREE Video Reveals #1 Secret to Having Your DREAM Honeymoon at Discounted Prices”

Learn about this well-guarded secret in the travel industry from an inside source!”

Works not only for honeymoons but for any kind of trip you want to take and it works FOREVER!

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Four Easy Steps of Credit Counseling

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Ones that find themselves buried deep in debt often question what they should do to get out. Is a debt management program the right choice, debt consolidation, bankruptcy, self-management or credit counseling? With so many solutions to choose from, credit counseling is a great first choice to make because once you speak with a creditor, they will be able to analyze your current financial situation and recommend what should be your next step. It could simply be setting up a household budget or recommending a debt management program. Regardless, you don’t have to choose anything you don’t want to but the counselor will make a recommendation that will hopefully be the best solution to getting out of debt.

One of the main goals most credit counseling company’s have is to provide relief to financially distressed individuals and families. Some credit counseling companies also provide consumers with education and personal financial management tools that will teach them how to use credit responsibly and set a pace for a financially stable and successful future which is really important especially right after eliminating your debt because you don’t want to fall back into debt.

Once you’ve established a credit counseling company you feel comfortable with whether done by research, referral, or other reasons, here are four common steps to credit counseling to expect once on the phone with a counselor.

Step 1: During your first call you should feel that you are speaking with a highly trained and certified consumer credit counselor. You should be asked a series of questions in order to identify the root cause of your financial distress. Counselors want to ensure that they have a thorough understanding of the circumstances that have caused this financial burden so that they may provide a customized counseling session that’s unique to your personal situation. The more information the better and remember all this information is kept strictly confidential.

Step 2: Next, your counselor should conduct a financial analysis usually done by completing a monthly budget. This budget will provide an insight as to exactly how much money you are spending each month versus your total monthly household income. In addition to the budgeting assistance some companies can also obtain a portion of your credit report, which is something a lot of credit counseling agencies cannot do so its important while doing research to find this out because then you don’t need as much paperwork in front of you when making the call to the counselor. It also makes it easier, if you don’t have old paperwork, because a company that has the ability to pull up a portion of your records might be able to pull up paperwork that you don’t have. By viewing our credit report the counselor can verify specific creditor information and cross reference it with your personalized monthly spending plan. With this knowledge and a comprehensive understanding of your financial situation, you and the counselor can begin to find the right solution for you.

Step 3: The third step in the counseling process is to identify the appropriate solution for your specific financial situation. It’s good to have a variety of programs intended to aid individuals in eliminating their debt and achieving a financially stable life because everyone who calls a credit counselor isn’t going to be in the same situation so it’s better to have a variety of options to choose from to cater to specific needs. Throughout your counseling session, you should be advised of the company’s many resources which, one or more should effectively provide the financial relief you need.

Step 4: Once the solution has been identified, you should feel comfortable contacting your counselor who should be there to continue educating you as well as counseling you to ensure that the solution chosen is working effectively. The counselor you speak with first, who knows you and your situation, should be considered your own personal counselor where you can call on them opposed to having to share you story with another counselor. Let your counselor be your main point of contact, if any questions or concerns arise along the way.

Now that you know the steps to credit counseling, you should feel comfortable calling upon a credit counseling company if you are having financial troubles. More than 90,000 people turn to certain credit counseling companies for a helping hand each year. If you feel you might need help, try calling on a credit counselor just for some guidance, and remember you can simply talk to a counselor for advice, you don’t need to commit to anything. Non-profit agencies are great to consider because you know they want to help you with no other intentions while on the line.

Nathan Dawson writes for http://www.inchargeorg.org a great online source for finance information in dealing with bad credit, debt management, as well as bankruptcy.