Free budget planner-it takes changes to stay on a budget
Creating a free budget planner is very important in this sluggish economy to keep track of where the money that comes in the house gets spent. Keeping things in order can help prevent any unexpected debt that tries to rear it's ugly head. There are times though when you cannot get away from the unexpected things that happen in life. The trick is to be prepared for them when they do.
Balancing your budget is the best way to accomplish this. Take a sheet of paper and write down how often you get paid and what your salary is. If this number is the same each payday then you don't have to do much figuring, just look at your pay stub.
You do not need to purchase budget planning software to do this. You can create your own free budget planner by yourself using a pen and some paper. Get a ruler too so your lines for your columns can be straight. Make sure you have a column for every expenditure you have.
At the top of the page, list out all of your income. Include any bonuses you get, too, if you plan on using them to help you pay down your debt with your other income. It might be a good idea to list out all of your goals for things you want to save for or invest in at this point. Need to keep all of this in mind as you go so you do not forget anything.
Next, write down all of your expenses. It might help if you get all your bills and expenditures together in one place and write them out with their due dates next to them. when you have them listed then you can write them down on your budget planner for the week they are due. If you get good at this you may even want to start paying things a week early to eliminate the chance you will get a late fee or shut off notice.
It would be a good idea to list any and all entertainment expenses you currently have. It is important to keep some of these expenses intact because if all you do is work and pay bills you will be a very dull person. Learn to save up for those things you want, cut up all of those credit cards. They will get you into nothing but trouble.
If you have to make serious changes to the way you spend money then make them. Make the changes one at a time if you have to but make them. Put any extra money you find or free up toward the next biggest bill and keep doing this until everything is paid off. After a while you will notice something happening. You will have more money than you ever thought you had in the first place.
Once you see the light at the end of the tunnel you will see how much happier you are and how things come a little easier to you moneywise. You will have done it all by yourself. Well, you and your free budget planner.
TAGS: free budget planner it takes changes to stay on a budget, budget planner, budget
Article Source: Messaggiamo.Com
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