Budget Planning - How To Make Budgeting Money Simple
Budget Planning - How To Make Budgeting Money Simple
Budget planning should not be complicated. After all, what you want o know is how much money is coming in, how much is going out and where it is going. Some people do love to keep spreadsheets and to analyse and dissect every detail, but that is not for everyone. This does work for some people but most of us want a simpler way of budgeting money. In fact, to start with, all you need is a sheet of paper and a pen. Make a list of your regular expenses. Start with your basic living costs - these are the costs that are essential for survival. The list should include: 1. Rent or mortgage payments2. Power bills - electricity, gas, heating oil 3. Food bills4. Clothing 5. Cost of getting to work - public transport 6. Motor vehicle costs7. Any other regular payments such as medical insurance, loans By making a list you will find out how much it costs you to live. Most people get a surprise, some get a shock, when they have a close look at where their money is going. Maybe this is the reason you have put off doing it - because you fear the truth. But you do need to do it to build your financial position and free yourself of worry over money. In this case, the truth will really set you free. The Rewards Are Great The benefits of budget planning are real: the feeling of knowing where you are spending your money; the feeling of taking control; the feeling you are actually, finally doing something constructive about your finances. The rewards keep coming - in the form of being able to identify surplus money so you can start building your wealth or, just as important, being able to understand why you do not have any surplus money to invest.You will soon start to question certain spending habits and to put a value on them in a new context - the context of building your wealth and gaining financial security. If you have avoided spending time on your finances because it all seemed to hard, you really don't have much of an excuse. With some simple tools and a little work, you can start to shape your financial future. This is what budget planning is all about.
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