Budgeting 101: A Beginner’s Guide

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Home Page > Finance > Personal Finance > Budgeting 101: A Beginner’s Guide

Budgeting 101: A Beginner’s Guide

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Posted: Aug 12, 2009 |

Budgeting and financial planning are the cornerstones of responsible money management. Not only that, but they are vital in developing a workable plan for the future, and can even reduce stress. While many people shy away from the accountability and responsibility required to create and maintain an accurate budget, buckling down and building a budget can ultimately help reduce stress and worry, and lead to a more pleasant and fulfilling life. So, what are you waiting for?

Before getting started, it’s important to define what a budget is, and what it is not. It is not just a list of where your money goes each month, and it is not a hard and fast rule that can’t be bent or broken. A budget is a comprehensive overall picture of your financial situation where money comes in, where it goes out, and what it’s spent on. A budget is a plan, a map of the financial future. It should include salaries, bonuses, bills, insurance, savings, and other expenditures. It should be divided into wants and needs and should be organized as a line-item list, with each item categorized and accounted for.

Most importantly, a budget should be accurate. Creating a budget that is inaccurate is a complete waste of time. People often create budgets that reflect where they want to be financially, or that ignore certain one-time-only expenditure this is not going to be effective. Instead of focusing on where you want to be and fudging the lines of where you are, make your budget an accurate and honest reflection of your current economic situation. Once you have that in place, you will be able to more easily identify where changes can and should be made, and you can begin to transform your financial situation by spending and saving responsibly.

Just as a budget should be honest and accurate, it should also be flexible. While, whenever possible, we try to plan for the unexpected, it is a fact of life that there will be times you need to go beyond your budget a family emergency, for example. This is understandable, and does not indicate some failure on your part to plan. In such situations, simply keep account of your spending and adjust your budget for subsequent months, where possible, to make up for the extra expenditures. Situations like these are not negative, in fact, they are one of the reasons saving is so important, and should be made a habit. One way to begin this habit is to include saving in your budget, as if it were a monthly bill. Determine what you can afford, and pay it out as you would any other necessary expense, like your mortgage or electric bill. When circumstances arise out of your control that require more spending than you had planned for or anticipated, having a healthy savings can save you an immense amount of stress and frustration.

The most important thing to remember about a budget is that it is a living, breathing thing “well, not really, but it should be treated as such. A budget will do you no good if you create it then put it aside and never look at it again. A budget should be updated monthly and kept on hand for quick reference and revision. Keeping your budget up to date will allow you to see not only where you are financially, but will help you see how to get where you’d like to be.

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Ki helps investors in Austin Texas. He manages a site which provides a graphical search of the Austin MLS. Their is also statistics on their site about Austin real estate and Round Rock Texas real estate.

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A Step-by-Step Guide to Creating your First Budget

A Step-by-Step Guide to Creating your First Budget

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Home Page > Finance > Personal Finance > A Step-by-Step Guide to Creating your First Budget

A Step-by-Step Guide to Creating your First Budget

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Posted: Jul 22, 2010 |Comments: 0

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A Step-by-Step Guide to Creating your First Budget

By: Sammi Jonesman

About the Author

In today’s economy Sammi likes to save money in any way she can, one way she likes doing this is by growing her own vegetables. Her favorite gardening site is Garden Harvest Supply, they have affordable vegetable plants for sale such as heirloom tomatoes.

(ArticlesBase SC #2877727)

Article Source: http://www.articlesbase.com/ – A Step-by-Step Guide to Creating your First Budget

Many know that it is important to keep track of finances.  However, if you never completed or used a personal budget, it can be difficult to get started.  Budgeting is a simple process that anyone can quickly learn.

The first step to creating a budget is to determine your expenses.  An easy way to do this is to spend a couple of months tracking your spending.  You don’t need to change your spending patterns, simply record the money you spend and what it is spent on.  Keep track of all money spent; the little purchases will play an important role when you create your budget.

After you have a good idea where your money is going, you can begin drafting your budget.  Sit down with your monthly expenses and break them into categories.  A common budgeting mistake is to overcomplicate the budget.  A budget will only be effective if it used.  Having too many categories will make tracking spending more difficult and may result in frustration.  To begin your budgeting journey, create a simple budget that will be easy to stick to.  You can add additional categories and make a more comprehensive budget once you have mastered a simple one.

Break your spending into broad and general categories like: utilities, rent, food, clothing, entertainment, etc.  Using the data that you have gathered during your months of purchase tracking, assign an amount to each category.  It is better to overestimate amounts than underestimate.

When you have finished determining the amount of money needed by each category, add up the total amount.  Make sure that your monthly income is able to cover your monthly planned expenditures.  Adjust your budget as needed.

The process of creating a budget is simple.  Nevertheless, now that you have a budget, you will need to use it.  This is often more difficult than creating the budget.  Track your spending and evaluate your results each month.  Adjust your budget as necessary to ensure that it is consistent with your actual spending.

Creating a budget is a simple process that will help you to gain control of your finances.  Knowing where you are spending your money will help you to make better purchasing decisions. 

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Sammi Jonesman -
About the Author:

In today’s economy Sammi likes to save money in any way she can, one way she likes doing this is by growing her own vegetables. Her favorite gardening site is Garden Harvest Supply, they have affordable vegetable plants for sale such as heirloom tomatoes.

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Product Description
Is Your Financial Situation in Complete Crisis and You Don’t Know Where to Turn?

“Get Rid of Debt Once and For All and Turn Your Financial Situation Completely Around with Debt Crisis – Your Guide to Debt Relief!”

Is there a way to get out of debt without getting a second job or having to increase your income? Can the average Joe or Jane pay off their bills in a short period time? What about that mortgage or car payment? Could you pay those off as well… More >>

Debt Crisis: Your Guide to Debt Relief

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Sarah Young Fisher is the owner of Fisher Advisors, a financial planning firm in Lancaster, Pennsylvania. She is a certified financial planner, a chartered financial consultant with the American College in Bryn Mawr, Pennsylvania, and a certified financial services counselor. Fisher has managed the personal and financial portfolios for hundreds of clients. She is a co-author of Everything You Need to Know About Money and Investing: A Financial Expert Answers the 100… More >>

The Complete Idiot’s Guide to Personal Finance in Your 40s and 50s

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Product Description
In this modern age, debt is a fact of life. We run on plastic, as it were, swiping away for everything we need and want with those convenient plastic credit cards.

Sure, this is liberating and exciting, it allows us to get what we want now and pay for it later. There is no waiting time, no saving time, because we know we can worry about repaying the money at some later stage.

There is such a thing as good debt, by using credit to gain valuable assets i… More >>

DIY Guide To Debt Elimination

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Start-today strategies for a better financial tomorrow. The Complete Idiot’s Guide‚ to Personal Finance in Your 20s and 30s, Third Edition, clearly explains everything members of this age group need to know to get a handle on their pocketbook and their portfolio, from planning their personal finances to enhancing their current financial plan to getting better returns on their investments. This revised and updated third edition includes comple… More >>

The Complete Idiot’s Guide to Personal Finance in your 20s and 30s, Third Edition

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• ISBN13: 9781572247079
• Condition: NEW
• Notes: Brand New from Publisher. No Remainder Mark.

Product Description
When you have attention-deficit disorder (ADD), you don’t spend money like most other people. Past-due bills and impulsive spending can throw your finances into turmoil, and because these financial pitfalls are directly related to your ADD symptoms, they can seem impossible to overcome. The good news is that it is possible to get ADD-related financial disorganization under control and begin to enjoy a more stable relationship to your money. ADD and Your Mon… More >>