BUDGETING ––––– LET’S GET STARTED.
The importance of budgeting cannot be overstated, which is why we have devoted an entire page to it. If you think just keeping the numbers in your head will work, unless you have a photographic memory, you are wrong. That is why we are giving you Free, this very easy to use and flexible spreadsheet. Just click on the BUDGETING SPREADSHEET link and when the page comes up scroll down to where it says FREE EXCELL BUDGET TEMPLATE, click on it and save the Excel spreadsheet. You can change any of the title fields as you see fit, to customize it.
Before You Begin Please Read These Instructions–or You Might End Up Thinking You Have More Money Than You Do.
FIRST: FIXED EXPENSES
Some of your expenses are fixed. In other words they are the same each month. These fixed items are expenses like Rent, or Mortgage, Car Payment, Car Insurance.
SECOND: NON-FIXED EXPENDITURES
These include items like Food, Clothing, Lunches, Gas, etc. We are sure you get the picture. While the Fixed items are easy to know, you do not know how much you really spend per day, week and month on the non-fixed items. Which is one of the reasons for a budget.
HOW TO ESTABLISH THE COST OF THE NON-FIXED ITEMS:
Get a small pocket size notebook andkeep it with you for a full 30 day period. Each day write down every time you spend money. Things like soda for lunch, gas for your car, food, eating out, movies and so on. At the end of the month plug the totals by catagory into the budget worksheet.
Then, plug in all the fixed expenses. Also, be sure to plug in your income numbers as net income, that is, what you actually have to spend each pay check.
READY TO ANALYZE:
Do you have money left over? If not, time to really get to work. Look at the non-fixed items and ask yourself where can you cut back or completely eliminate. Do you need 400 Cable channels? You must seperate your needs from your wants. You need Food, Shelter and Protective Clothing. Everything else is somewhere down on the list. You must make adjustments accordingly.
DO YOUR UNSECURED DEBTS HAVE YOU IN THE RED?
If so, we can probably help. If you would like to know exactly how we can help, please either call us at: 877-766-2465,
OR Press the CONTACT US tab, leave your information and a counselor will call you. We offer DEBT SETTLEMENTS, DEBT MANAGEMENT, and other programs to help you. There is never any obligation, and We Do Not Ever Share Your Information. , and other programs to help you. There is never any obligation, and We Do Not Ever Share Your Information.
If you would like to receive a FREE Newsletter packed with Great Information then:
You will receive periodic updates from our Free Credit Counseling Blog in Newsletter format. The blog provides unbiased relavant information from the best credit counselors in the country, including a link to Financial Talkcast Radio, devoted to debt solutions.