#howtobudget

[stealthyfinancetips]

Budgeting Secrets: The Rule That Changes Lives

[kenwords-blog]

How to Create a Budget That Works for You

Do you feel like your finances are out of control? Does it seem like there's never enough money to cover all your expenses? Creating a budget that works for you is one of the best ways to get your finances on track and achieve your financial goals. A budget is simply a plan for how you will spend and save your money. Budgeting gives you control over your money instead of your money controlling you. When you create a budget, you're able to align your spending with your values and reach your financial goals. The benefits of budgeting include reducing debt, saving money, and reducing stress about finances. With a budget, you can identify wasteful spending and make adjustments to get your finances in order. Read on to learn how to create a budget that works for you.

Gather Your Financial Information

The first step in creating a workable budget is gathering all of your financial information in one place. Make a list of all of your income sources, including your salary, interest income, and any other sources of money coming in. Next, list out all of your expenses. Be sure to include regular monthly expenses like rent, car payments, groceries, and utilities. Also factor in irregular expenses that occur quarterly, annually, or occasionally like car maintenance, gifts, and vacations. Once you have listed your income and expenses, categorize each expense into groups like housing, transportation, food, etc. Finally, calculate your total monthly income and expenses. This financial overview is crucial for creating your budget.

Set Your Financial Goals

Now that you have your financial information laid out, think about your financial goals. What do you want to achieve with your money? Common financial goals include saving up for a down payment on a house, paying down debt, saving for retirement, or saving for a dream vacation. Defining your goals will help you prioritize how to allocate your money in your budget. If paying off credit card debt is your top priority, you'll want to devote more money in your budget to credit card payments.

Create a Budget Template

Next, choose a budget template that works for you. You can find many budget templates online and in financial planning books. The template should have categories for your income, expenses, and financial goals. Look for a template that's easy to use and understand. Many budgeting apps like Mint and You Need A Budget also have great budget templates. Consider using an app since they automate a lot of the number-crunching for you.

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Enter Your Financial Information

Now it’s time to enter your income, expenses, and financial goals into your budget template. Put each income source and expense into the appropriate category. Include expenses that occur regularly as well as irregular expenses. Once all your financial information is entered, subtract your expenses from your income to calculate your monthly net income. See if you have any money left over to put towards your financial goals after covering expenses.

Make Adjustments as Needed

Examine your completed budget to see if you need to make any changes. If your expenses exceed your income, you'll need to make some budget cuts. Look for areas where you can reduce spending like dining out, entertainment, or other discretionary expenses. Consider ways to boost your income like asking for a raise at work, starting a side hustle, or selling unused items around your home. Make adjustments in your budget until your income exceeds expenses.

Review and Update Regularly

Your income and expenses likely change over time, so it's important to review and update your budget on a regular basis. Review your budget at least once a month to make sure you’re on track. Celebrate any budget wins like paying off a credit card! Creating a budget takes effort but it's one of the best things you can do to take control of your money. Follow the steps above to make a budget that works for your needs and helps you achieve your financial goals. What budgeting tips would you add? Let me know in the comments!

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[moneymovesmadeeasytv]

35 Net Income Hacks to MAXIMIZE Your Take-Home Pay

[janetadamsspeak]

Definitely don’t need that type of negativity on a Monday! 😂 I found this so funny! I remember when my money used to be low. I definitely didn’t need to see that balance. If you feel the same way that I did when my balance was low know that all of it can change. It can change through consistency. Be consistent with bringing in more money. Be consistent with saving money. Your consistency with your finances will one day soon end that feeling of lack. Just keep going! #keepgoing #mondaymotivation #motivation #personalfinance #personalfinanceforwomen #speaker #author #money #investinyourself #wealth #howtosavemoney #howtomakemoney #howtobudget #howtopayoffstudentloans #debtfree #entrepreneur #business #tv #funny #socialmedia #travel #influencer https://www.instagram.com/p/CHp6QpuDPMg/?igshid=1bnmdb099sryb

[thriftism]

Budget Report August 2018 Update

We live on less than $35K per year and are still able to live well and save over 20% of our income. See how we do it with our monthly budget update.

[correctsuccess]

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[budgetbros]

#episode 10 is live #howtobudget this episode in our 2 part season finale is all about the family #budget for 2020. What to include, what ratios to have and how to make it easy. https://anchor.fm/budgetbrospodcast/episodes/Budget-Bros----Budget--Season-Finale--Pt--1-of-2Were-Finally-Covering-the-Topic-Within-Our-Name--Bald-Tires--Budgeting-in-a-Marriage--Money-Saving-Tip-From-Lucy-ej3o4b Check out these #moneysavingtips #frugal #debtfreejourney #debtfree https://www.instagram.com/p/CE0xJhsg1IW/?igshid=wrvxr2x1j8gn

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[rdpshop]

Should You Use Budget Billing For Your Utilities

Should you use Budget Billing for your utilities? Even though this could add stability for monthly payments, you may end up owing more than what you figured. There are circumstances where this can work great for you, but careful consideration is advised. First off, do you know what Budget Billing is? This is a program that some Utility companies offer. They offer you a set amount to pay each month to keep your bill constant. This is done by taking an average of what you spend each year on your electric bill and divide it by 12 months. Of course, the longer you are at that address, the more accurate they can make the monthly bill. Is This Really Right For You?

There are things to consider when thinking about signing up for "Budget Billing". The first thing you should look at, why would you want this type of billing? For many that live in areas that have a mild to moderate variance in temperatures throughout the year, this can help. However, if the temperatures have an excessive range, this can hurt you. If you live in a fairly stable climate where your temperature are mostly predictable, this should work. So let's say your annual utility bill is $2100. Divide that by 12 months and you will get your monthly payments of $175. The utility company looks at more than just one year, they do a deeper analysis of the residence history over a period of years. If signed up and living on a tight budget, this can be nice when winter comes. It will keep you from getting slammed with a $350 electric bill you weren't planning on. With the Budget Billing plan, getting surprises like that won't occur. Your bill stays steady and allows you to plan your home budget easier month to month. Budget Billing Not So Good It seems lately, that weather is doing all sorts of strange and erratic things all across the country. However, the more eastern states seem to have the most wide range of temperature changes throughout the year. If you are on the Budget Billing plan, and due to a longer and harder winter that wasn't planned. You could end up spending more money than what the utility company had averaged in for you. There is a strong possibility you will get a Balloon Payment at the end of the year. So where you were trying to avoid that big hit of a massive bill, now became more of a surprise than ever. The monthly amount the utility company set up for you, was based on months the bill was low, months it ran nominal and includes the months it ran high. So no matter if a hard long winter showed up or a hard long summer popped in, this out of the normal usage throws their averaging out the window. No matter what the reason, you exceed, you still have to pay for it. Imagine paying your $175 a month for electric, and then at the end of the year, you get an extra bill wanting $400 more dollars. If on a tight and balanced budget, this can hurt you badly. Budget Billing Savings As mention above, if your area is mostly stable and you pretty much have the same bill all year round. Or the range from month to month is very little. You could potentially be putting money towards your next bill each month or onto next years billing. If you are paying $175 a month, but for 9 months out of the year, you only used $125 a month. That is $50 dollars over 9 months, giving you an equity of $450. If the remaining 3 months usage are at the $175, you will have $450 sitting there to go towards next years bills. On the other hand, the last three months may be colder than normal temperatures. Making actual usage be $250 a month. That would be $75 over the intended $175 a month. But due to your other months being lower, you savings will cover this expense and still leave you some change to go onto the next year. Ask Before You Sign Up

Before considering signing up to a Budget Billing Plan with your utility company, there are some things you need to ask. First and foremost, will there be any fees to sign up. Also ask for a clear explanation of how the contract works. If there are fees, then the fee itself may end up costing you more each month than if you weren't on the plan. The fees could be a percentage of what is saved at the end of the year. You just need to make sure that the cost of signing up isn't going to be an added expense into your home budget. Carefully read over the contract or talk to someone that can explain the contract clearly. Utility company's are businesses and like most businesses, they are out to make money. So ensure that your savings stay with you and not with them. In the scenario above, you want to make sure that $450 belongs to you, and not go into the utility company. You also want to ensure there will be no penalty fees if you end up spending more than what the monthly average they set for you. If you have a few bad months that the bill exceeds a third to double the average cost, a high interest fee attached on your end total could break you. Always read the contract carefully. Conclusion So, should you use budget billing for your utilities? Only you have the answer. Where do you live, do the temperatures throughout the year stay stable year after year? Does your utility company offer a good plan, and are they there to help you or make money off of you? Do their contracts make sense or do they make you nervous? I would suggest you Set Up Your Own Budget and get an idea if you even need for someone else to budget your bill for you. You may find that you can work your own budget, where paying what you owe each month works better for you.   Site Index   Read the full article

[locqueensrock-blog]

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[janetadamsspeak]

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[thewallio]

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[jacquesdaviddebtposts-blog]

HOW TO GET OUT OF DEBT? WHO AM I?

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[theorganizedmoney]

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[bubblez-world]

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