"The hardest thing to believe about The Fan is not that Robert De Niro is stalking somebody again but that anyone cares that much about a baseball player."Bernie Lincicome
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Budgeting Tips for Young Couples
The honeymoon is over! How times have changed from those glory years when you and your spouse-to-be were footloose and fancy free. You were dating, having fun, planning your dream wedding, the vacation on some exotic island and then living happily ...
How To Create A Travel Budget
Do you love to take vacations but don't have a lot of money? Then learning how to budget your traveling can get you more vacations every year! Today with the economy the way it is, budget travel is becoming more and more of a necessity and more merchants ...
New Home - Over Budget? What Now?
In this article we're going to go over your options of what to do if you go over budget when planning your new home. Everybody has their dream home, the place where they want to go to die in. It's complete with everything anybody could ever want, ...
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Mention the “b” word, as in BUDGET, to a friend and they'll look at you like you have a third eye growing from the middle of your forehead. For most people the word budget too often carries negative meanings such as limits, restrictions, living on an allowance, giving things up, no shopping, no fun.
Unfortunately, the point they're missing is that a budget doesn't limit you but instead gives you freedom. That's right - FREEDOM. The words “budget” and “freedom” are not mutually exclusive, once you understand what a budget can do for you.
Having and using a budget will give you direction. Your budget is your personal map of how you're going to move financially from “point A” to “point B” and so on. Would you like to pay off your credit card debt? Buy a new house or car? Save for retirement? If you answered yes to any of these questions, then let me ask you one more - how are you going to do it? What's your plan?
Let's take a look at paying off your credit card debt. You've decided to lower your debt by adding an extra $20 to your monthly payments. Great idea - as long as you can afford it and you stop using your credit cards. However, you won't know if you have the extra $20 if you don't know what your monthly expenses are from the start. With a budget you may find that you can actually afford more and pay off your debts faster. You'll have the freedom to use your money more wisely and achieve your goal.
What about buying a new house or car? If you don't have a budget, you won't know how much you can pay for a house or a car payment. Make that mistake and you'll get a visit from the repo man or you'll find yourself in foreclosure. Your budget gives you the freedom to make an informed decision.
How about saving for retirement? Unfortunately most of us don't consider retirement savings until we're into our forties or even fifties. Imagine if only we'd been smarter, had a budget, and started contributing toward our retirement when we were 10, 20, or 30 years younger?
Having a budget doesn't limit you. It gives you the freedom to make informed financial decisions, allows you to use your money more wisely, and achieve your financial goals more quickly and easily.
Copyright 2005, http://www.yourfreecreditreportnow.com
About the Author
James is editor of "TO YOUR CREDIT", a free weekly newsletter with tips to help you manage your personal finances. Subscribe today and receive his e-book “IDENTITY THEFT- How To Avoid Becoming the Next Victim!” and other bonuses by visiting http://www.yourfreecreditreportnow.com
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A nudge toward budgetingMcKnight's Long Term Care NewsFor much of my life, I adopted a fairly casual attitude towards budgets and money. I believed in working hard and knew that money mattered; I just took a “God (or my parents) will provide” approach. It turns out that becoming an adult involves ... |
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City council examines fire, police department budgetsBillings GazetteWith costs rising and funding options dwindling, the City Council began its budgeting process for fiscal year 2013 at a work session Monday night. Budget requests for two of the city's most expensive divisions funded through the General Fund — the ...and more » |
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Laundering tax dollarsThe News HeraldAnyone who believed that scandals involving the Legislature's budgeting process, such as the one that cost former Rep. Ray Sansom, R-Destin, his House speakership a few years ago, would dissuade lawmakers from monkeying around with taxpayer money is ...and more » |
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