Budgeting Finance

Budgeting is a lot like dieting. Neither are fun and are approached from a position of doing without something or sacrificing. It is a wonder that these topics are written or read about so much. Perhaps we are all looking for the magic bullet that fixes everything painlessly and effortlessly in order to become thin and financially fit.

There actually is a better way than sacrificing. It starts with what we really want to achieve and implementing a positive non-sacrificing means to accomplish want we want.

Instead of thinking of budgeting as doing without, think of it as your spending plan. This is a very quick and easy exercise. Each month make a list of each category of spending and savings. Plug in your anticipated expenditures and spending based on previous months. Be sure to include in your planned money outgo the extras for fun and entertainment that you wish to do for the month. Total the amounts up and be sure that the planned expenditures do not exceed your income. Make appropriate adjustments if necessary. Make your savings plan the first automatic debit of the month and all else follows. Keep track of all income and all money that goes out on a daily basis under each category. Consistent tracking has a way of curbing your destructive actions and really takes a very minimal time on a daily basis. You develop a constant awareness of where your money is going and also develop a more discriminating thought process as you track your spending. You will find that less adjustments will need to be made as months go by, and that you will be putting more into savings, paying off credit cards, etc. You will also find that you will be more mentally inclined not to use the cards once they are paid off, because of the increased good feelings you experience by spending your money better.

I have found that it is very rewarding to end the month with my savings growing, all bills paid, and having had special times that were already financially planned. Not only do you become very aware of your financial fitness, there are no guilt feelings and you start to feel good about where your money is going. As you start this path and continue on to achieve financial peace of mind, you will continue to start spending your money more wisely and will become more aware of ways to put your money to work for you instead of you working for it!!! It is a very empowering and sustainable way of handling your financial life. After all, it is your money!!

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One of the most frustrating aspects of suffering from bad credit is that it becomes extremely difficult to gain better credit to improve your rating. Without access to better forms of credit, you end up paying more on worse types of credit facilities, which means that you have less money available to pay off your regular outgoings and tackle outstanding loans. It's clear that it is very easy to enter into a vicious circle where you are constantly trying to get your head above water.

The good news is that it is possible to improve your credit rating, it just takes a lot of work. That doesn't mean it can't be fun however, and that doesn't just apply to the satisfaction of ultimately improving your rating: making sure you are getting the best deal and value is a useful skill and one that your friends are likely to wish to utilise!

Firstly, make sure that any and all financial obligations in the month can be met. Your first target should be to reduce any high interest debts, whether this is a mortgage, a credit card bill or other outstanding loan. Making sure the money is available and paid to the creditor on time may involve making some adjustments to your lifestyle or foregoing a few luxuries or evenings out, however this is only for a short period of time and won't be something you will have to do forever.

If you have a number of loans, you may be able to consolidate these into one loan, and pay a single interest rate on this as opposed to multiple loans at various rates; you will need to go through these and add up what the costs are to determine which method is cheapest.

To free up more money, always shop around for your services. Things like insurance policies can often come 'packaged' with a mortgage, but should be reviewed every year to make sure they are competitive. Some policies include too much cover or for situations you don't need... you can find that looking at different quotes may save you up to half your current payment. Prepare a list of items and their cost and go through this with an advisor from different companies to see which works out best.

Do the same with your energy suppliers, you can find that getting both gas and electricity from the same supplier may entitle you to discounts, or often there is a 'locked' rate you can apply for which caps prices for a year. Given that energy costs have only risen in recent years, fixing the cost is a good way to avoid sudden rises and also allows you to know what the exact amount will be.

Be careful when you shop for groceries too, the consumer index has seen some of the biggest rises in household items, and supermarkets are trying their best to get shoppers to increase their spending at a time when people have less money. Try to prepare a meal planner so you can re-use ingredients that you can buy in bulk (and so save money and reduce wastage). Be prepared also to shop around for the best deals on the ingredients you need, rather than opting for the convenience of the nearest or largest supermarket.

Once you have some breathing room in your budget, try to overpay on the largest or most expensive debt that you have. It doesn't have to be by much, but this will have two bonus effects for you. Firstly you will pay off the capital of the debt faster, which means overall you will pay less on the interest on the outstanding debt that you owe. Secondly, it will send a signal to the credit companies that you are paying off you debt, rather than maintaining a 'holding pattern' with minimum repayments. For a large debt such as a mortgage, overpaying by as little as £50 per month can knock years off the overall term of the mortgage and end up saving thousands of pounds in the long term.

By strategically tackling your debts you will reduce the overall amount that you owe, and by having to allocate progressively less disposable cash to settling payments you will have more funds available to put into savings for a rainy day.

Steve has recently graduated and is always on the look-out for tips to improve credit rating and reduce his monthly debts.

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Early Warning System technology (or EWS for short) is a widespread system used by lending institutions to look into the lending and spending habits of their clients: people like you and me. It is more generally a system of risk management, which identifies potential threats to the profit margins of lending institutions, by recognizing the bad habits and practices of their customers. Many people who become aware of EWS are also sometime aware of a program called ChexSystems. If you are in the majority of people who have not heard of it, ChexSystems is a technology system similar to that of EWS, except that ChexSystems focuses on deposit accounts instead of credit and loans. Essentially, EWS technology is used for examining behavior related to credit lines and loans, whereas ChexSystems is used for money you have already deposited into the bank.

EWS looks for bad practices or specific habits that consumers may have related to their loans and credit lines (i.e., late payments, overextended balances, and usage of credit margin). ChexSystems, in a similar fashion, looks for patterns of things like odd or somewhat suspicious account behavior, account overdrafts, fraudulent checks, and negative balances.

While these distinctions explain the differences between the two processes, what they do, and what they are designed, or rather intended to do, a certain confusion among consumers still persists. Why do lending institutions use Early Warning System technology even after using ChexSystems technology? This is a fair question, as the practice almost seems redundant. And while it is easy to understand why banks implement these strategies, it is normal to feel slightly confused by the knowledge that your lending institution either knows, or is trying to know, more about you than you originally intended.

It is also normal to wonder why, if a bank uses a method like ChexSystems, they still need to double up on methods to study how you borrow and spend your money. The most important difference to take note of, is that ChexSystems focuses on how you spend money you already have, and EWS focuses on how you spend money that you owe. For this reason, it makes lots of sense why a bank would double up. They need to examine both habits, to accurately assess risk and reward of an individual customer, in all areas of financial behavior.

Fraud prevention and consumer reporting are extremely important aspects of the banking and lending industry. For the average customer who pays their bills on time and has average usage of both their credit and checking accounts, neither of these systems of examination will encounter such consumers. But these systems exist to limit losses for both institutions, and where identity theft and other fraud is involved, the consumer. So, if a few hoops need to be jumped through, to be certain that no one is being taken advantage of, then both ChexSystems and EWS are observed as worthy additions to the application and extension process of participating in the banking system.

Andrea DeLuca is something of a cross between a ninja & a warrior. Having overcame her battles with negative credit. We all have to start somewhere when it comes to restarting your credit. Andrea hopes to help others create a better and more thorough way of rising above the downfalls of having negative credit. Her main site: Rebuild Credit. Check back for great tidbits and to understand your credit better!

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Identifying all expenses is crucial when preparing a budget. If you miss expenses when you first prepare your budget, you'll blow it. That's not a major drama & there's another article in this series on how to manage budget blow out. However, if you can get it right in the first place, you won't need to refer to that article at all!

There are essentially 3 types of expenses:

Fixed Expenses - those which are almost impossible to avoid & difficult to cut down - examples are car registration, mortgage payments, electricity
Variable Expenses - those which make life more enjoyable & are largely a choice, but can vary - examples are health insurance, gym memberships, haircuts, clothes, mobile phones, internet etc
Optional Expenses - your fun money - examples are alcohol, entertainment, eating out, lunches, coffees, magazines, take-away etc

We need to try & find all expenses across these categories.

Here are a couple of simple budgets how-to tips to catch them all:

Fixed & Variable Expenses:

Get out your last 3-6 months worth of bank statementsIgnore any cash and cash card transactions for discretionary spending (e.g. lunch, magazines, take-away etc)Use a highlighter to mark all bill payments which are being automatically being from your accounts on a regular basisGet a second highlighter colour & mark any irregular bills - these may include car registration, electricity, taxes & duties etcFinally look for all other expenses - haircuts, petrol, clothing etc

Discretionary Expenses:

Buy a tiny pocket notepadFor the next month, write down every single cent you spendTry not to change your spending habits, just record themSome of these will fall into 'Variable' Expenses - just record them all for now

Making sense of it all:

Get yourself a budget template. There's a free one available on our website.The budget template should prompt you for most of the expenses you've managed to uncoverEnter & add them up as appropriateMethodically go through your notebook & highlighted expenses, to make sure you don't double any upAlmost certainly you'll find the budget template prompts you for expenses you'd completely forgotten about. Go to work to find out how much you spend on those.

This is probably the most labour intensive part of the budgeting process.

However, of all the articles in this series, THIS is the one you want to absolutely make sure you follow to a tee!

The benefits you'll reap for doing this work diligently will be more than you can imagine:

You will greatly reduce your chances of budget blow-out and hugely increase your chances of budget success.You will reduced budget frustration and enjoy a bigger sense of achievement.Your budget will actually work!

When it comes to making sure you uncover all hidden expenses, the old quote:

"The labours are few, but the Harvest is great", certainly applies.

Putting the effort into identifying ALL expenses is a huge advantage and you will take a giant leap forward on your path way to financial success.

So get stuck into it!

Wishing you much Prosperity, Miriam

Miriam Castilla's passion is teaching people how to be money smart.

Discover a quick & easy system which puts an end to financial stress, starts saving your money and run your budget on auto pilot. Download your Free Budget Template & learn How To Be Money Smart here. Be sure to visit the Budgets How-To Blog for lots of juicy budgeting & saving tips!

Here's to YOUR Financial Success!

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When it comes to how to start saving, there are really only 2 ways:

You can increase your income OR you can decrease your expenses.

Because I know you REALLY want to get this wealth show on the road, I suggest you get cracking on both!

We talked about easy ways of culling expenses in our last article.

Now to the fun bit! In this 'Budgets How-To' article, let's talk about some things you can do TODAY which will make your income sky-rocket.

Here are the 3 easiest ways to increase your income:

Be The Best!Follow Your Passion!Think Outside The Square!

Let's look at these in a bit more detail:

1. Be The Best!

Chances are, you're already doing something to earn an income.

My suggestion to you is: Get better at it!

Get so good, that you become the best. Once you're the best, you can literally name your price. Expertise is hard to find & companies will pay huge sums to get the best of the best in a particular niche.

Make yourself indispensable at your work place - educate yourself & practise your craft, whatever it is.

It's not about giving more to your boss for the same monetary reward. It's about educating yourself & improving your skill level so that you can command a high price down the track - and you get to do this on the job, whilst being paid!

This is a great strategy if you like what you do for a living now.

2. Follow Your Passion!

If the first strategy doesn't appeal to you it's probably because you're working in an area you don't feel passionate about. You might be looking to increase your income so you can get out of what you feel you have to do now just to get by.

Here's a thought: You can only get truly good at something if you actually enjoy doing it. You can only become the best at something, if you have a deep & burning passion for it. If you really hate what you do now, consider getting out and following your passion.

You may have to start at the bottom of the rung & make some sacrifices, but at least you'll be able to see your new path and goal laid out before you. This will make you feel excited, alive and that you're living your life on purpose.

Before making any hasty moves, be sure it's what you truly want to do - listen to your heart and best discuss it with your partner.

3. Think Outside The Square

If you're quite happy where you are now and you really just want to earn a little extra or are looking to make a slower transition, just think outside the square!

There are countless ways of earning a bit more money on the side. You can do it online or offline. You can sell on eBay, drop ship, sell, develop & buy property, become a consultant, develop a website, sell eBooks, the list is seemingly endless!

Each capital city hosts many wealth creation seminars every year. Attend one!

There are mentors & programs everywhere full of ideas & inspiration. You'll be introduced to experts who can teach you their own money-making strategies. There truly is something for everyone & every personality.

All you need to do is to make a decision that you will change things. Then act on it! The rest will take care of itself

Budgets How-To training is not just about teaching you to add up the numbers & making the pennies stretch. It's about making you think differently and developing a whole new relationship with your money. It's about managing your money & telling it where to go.

I like to tell my money to go forth & multiply.

Others seem to tell their money to go get lost.

Which would you prefer?

I truly hope you enjoyed this article and will use these techniques. Applied together with other principles, they will transform your money situation faster than you can ever imagine!

The thing with money is that it's fluid and it just loves to gather momentum. Once you start making some changes to the flow of money in your life, supported with some positive, passionate energy you will be absolutely amazed at what happens next.

Wishing you much Prosperity,

MIRIAM

Miriam Castilla's passion is teaching YOU how to be money smart.

As an award winning finance adviser, she knows that most people stress about money She also thinks it's completely unnecessary!

You see, nobody ever really teaches us how to manage our money. So most people just 'wing it', hoping they pay all their bills and accumulate some savings along the way. But there is a better way!

Download your Free Budget Spreadsheet here and discover how to run your household budget on auto pilot.

And be sure to visit the Budgets How To Blog for lots of juicy budgeting and saving tips & tricks!

Here's to YOUR Financial Success!

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When it comes to the question of how to start saving, there are actually only 2 ways to do it.

You can increase your income OR you can decrease your expenses. It's Simple!

I suggest you get cracking on both!

In this article we'll focus on reducing expenses.

There are 2 key tasks you must complete to effectively cull those pesky expenses:
Task 1 - Decide which optional expenses you want to reduce or eliminate
Task 2 - Identify any fixed expenses you can save more money on

Task 1:
This is actually extremely satisfying, especially once you've set your eye on an exciting goal. It's very easy to sacrifice the little things, in order to get that BIG thing you feel passionate & excited about.

It's all about taking control!

Here are some tips to help you get ruthless:

When choosing a budget spreadsheet, make sure you can annualize each expense. A good budget spreadsheet will automatically do that for you. It should project what each item adds up to for the full year.
This is a fantastic way to get a quick reality check! Looking at this 'annual expense' column of your budget spreadsheet alone will make a few things very clear to you. You might quickly decide you don't really need to spend $5,000 a year on lunches, coffees & miscellaneous cash items with nothing to show for it at the end of the year! You might be horrified at what some things add up to over a year. That will make the job pretty easy for you.
Go through all your optional & variable expenses. Set an annual budget for them and work your way backwards to how much to allow to allow for that expense each week, fortnight or month. It's much easier to look at the big numbers, make some choices & then translate it back to your normal budgeting period.
Have a little savings fund just for capital expense luxury items. Do it the old fashioned way & save up for the new TV etc so you know what you're actually spending
Remember this is all about choices - will you choose the small luxuries every day or the big fat reward at the end?
If you need some more help, there's another 'Budgets How-To' article you can refer to which explains how to identify each expense.

Task 2:
This is all about shopping around. We often get lazy & stick with what we have, rather than re-evaluate to see if it's still cheap, suitable or even necessary.

A few handy hints to get you started:

Be clever with the shopping: keep a shopping list, plan the week's meals, buy only what you actually need, use up what's in the pantry, cook up big & freeze meals, making meals from scratch, avoid take-away, buy toilet paper etc in bulk. You can greatly reduce your weekly grocery bill eliminating waste
Phone plans can often be consolidated with internet plans. If you're a heavy phone user, get unlimited or generous plans. It'll be more than worth it if you can avoid just one month of blowing out your phone plan! Who still needs a home phone? Do away with it, use your mobile phones. You can also use the mobile phone as a modem by making it a Wi-Fi hotspot.
If you have a gym membership but rarely go, consider cancelling it. Walk the dog or play with your kids instead.
Get rid of cable TV and get out a board game - you'll actually get to know your children!
If you've not reviewed your home loan in more than 2 years, see your mortgage adviser! You can probably save money just by switching to a cheaper product with the same lender for a relatively small fee.
Only buy clothes you actually need - do this when each season starts. Better still: make a list of everyone's needs & buy them at the sell-out of the previous season.
Sell your good-as-new kids clothes on eBay and while you're at it - buy their new ones there too!
Pay your gas & electricity bills in weekly installments. Shop around for the best plans first.
Only consolidate debts if you can get them on a cheaper interest rate so you can pay them off faster.
Give the kids pocket money so they also learn good budgeting skills. Make it enough so they can save up for an 'extras' they want. It also saves you being bled dry.
Review all your insurances. You often get great discounts by putting them with the one company.

There are some fantastic forums full of excellent savings ideas - find a good one & subscribe to it!

As you enter the new figures in your budget spreadsheet, check that annual column and watch the numbers plummet!

This is very satisfying work indeed. You should get very excited as you go through this process.

It's the start of a new financial era for you!

We'll talk about increasing your income in the next 'Budgets How-To' article. That's one of my all-time favorite topics, how about you?

Have a most prosperous day!
Miriam

Miriam Castilla's passion is teaching YOU how to be money smart.

As an award winning finance adviser, she knows that most people stress about money She also thinks it's completely unnecessary!
You see, nobody ever really teaches us how to manage our money. So most people just 'wing it', hoping they pay all their bills and accumulate some savings along the way. But there is a better way!

Download your Free Budget Spreadsheet here and discover how to run your household budget on auto pilot.
And be sure to visit the Budgets How To Blog for lots of juicy budgeting and saving tips & tricks!

Here's to YOUR Financial Success!

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I was fortunate enough to experience a great time out at a restaurant with a few friends after many years of being apart for family and work reasons. We were looking forward to meeting up and talking about what's new. During the years we still kept in contact so we knew what we were all up to, thanks to today's ever-expanding social networks. It was over a meal that we discussed how life in general was and going from one job to another. As we discussed about old times we were looking at the menu to see what we could order. It was then that we got talking about the high price rises in some basic dishes. In today's age, for the consumer this is to be expected unfortunately. A main meal, steak with salad and chips was close to $45, excluding drinks and after-meal refreshments.

The conversation turned to how tough life is and how we all try to "scrape by" so to speak. I was a little frustrated to hear this from one of my friends as I know that they do like to spend money on non-essentials in excess such as custom made golf clubs and quality named products. I have no objection to such items if one has the budget / finance to cater for these luxuries in life. So to hear my friend saying that he scrapes by was upsetting in a way. I realise that times are tough, but if you spend unwisely on non-essential items that can bring you debt then surely priorities are not right here. We have all done this in the past, but I'm sure we can all learn from our experiences. Which is why I would like to introduce a very common sense 4-step outline to change those bad 'unwise' habits.

1. The Budget

This is a must for everyone that needs to be in control of their finances. It doesn't have to be fancy, a simple Microsoft Excel spreadsheet can be put together to create one. If you do not have one, then you are in the red already, and may not know about it. Do you know where your money is going? Do you know how much you are spending? Have you broken up your spending in categories to see where your money is going? You may be surprised to see if you do. I encourage you to take the challenge and see for yourself where and how your finances are taking you. If you find that creating a budget is all too hard, there are some really useful applications out there that can help you every step of the way. Some with tutorials and free guides to assist. Consider personal finance software such YNAB and Quicken.

2. Save, Save & Save

If you save money, you will have more money! It is common sense and advice that works. It is easy to say, but at times hard to do. But if you are like my friend whose habit is to spend un-wisely then unfortunately saving money will be hard to grasp and money will simply slip through your fingers. Please don't use the excuse my friend uses, that is to say that in order to save money I need to have money. Although true to some extent, this is not the correct way to approach this subject of saving money. Saving money is really an attitude and not a number. If you believe that then you will see the number grow. By that I mean if you do not change thinking ability and attitude towards saving then you will never successfully save. After our discussion my friend has tried saving $50 a month and has been doing so for the past 8 months. He now has $400. That money she saved is growing every month and not 'slipping through his fingers' as he rightly told me.

3. Take Control of Your Spending

After understanding what savings is and putting on the right 'attitude hat' for savings, it is even more important to not go overboard and make your savings plan difficult. By that I mean spending should be controlled. Your savings should grow whilst your spending should be less. I guarantee you that if following this technique and strictly following your budget plan you will start to live from next month's pay check. For some, and sadly too many, living on each month's pay check is the only option. We do not condone this as this is not the point of the article. Everyone's situation financially is different and we just want to outline the important attitude one should have on how to save and achieve living off next month's budget.

If you are making ends meet, then constantly spending $45 on a premium steak (for example) when you could opt for chicken fillet is not wise. When you are simply getting by, spending over $40 on premium beer when you can opt for a lower and cheaper beer is also not wise. My friend is now suggesting that we think about purchasing two-ply toilet paper compared to three-ply. Well, I think you best be the judge to that as we are only trying to help people budget and not telling people what or not to purchase.

But you see the picture we are trying to paint. Understand your financial situation by identifying where your money is going. Not long ago my friend was interested in how they could save more. I suggested that we look at not only spending habits but identifying what essentials he needs. Phone bill for example. We cut the bill by half simply doing online research with other competing cell providers to get a better deal. Utilities, gas and electricity. Again, look at the market as many organisations are competing and will try to give the consumer the best possible deal for their money. In the end, we managed to save over $75 per month by switching providers. That's a $75 on top of the $50 he is already saving. Come the end of the year, this goes a long way.

4. Do Not Give Up

No doubt that you can now find ways where you can save money. If you are already, good on you! But do not stop there. You need to be in complete control of your finances. Constantly re-evaluate your situation. I personally sit down and every month re-assess where I need to fine-tune my spending and also re-adjust my budget. My budget is changing, but I stick to it. Like we analysed above, there are many ways to cut off from the budget, and add to other areas. As humans we do think that we need to spoil ourselves and give ourselves things that we really could use without. Sure, this is Ok once in a while, but don't fall for that trap, as debt is lurking round the corner if you fall into this bad habit. Have an emergency account where you can use in case of a car breakdown or insurance that needs to be paid. I budget $100 a month on my car insurance and when my yearly re-new comes I am prepared, thus not relying on my pay check for that month. Consider that when you are doing your budget. Perhaps your situation might be different. You may wish to save for your children's college fund or a savings account which pays high interest, or some other reason.

I keep emphasising common sense and having the right attitude towards saving. My friend has also looked at online investment accounts where high interest is paid by the bank for simply increasing your savings. Now not only is he saving $125 a month he is reaping the rewards of his interest credits and other areas of low spending. He doesn't rely anymore of his pay check alone, and is on the road to living off next month's budget.

If you are interested in reading more about how to save and managing personal finances, visit our website which has reviews of software as well as other informative finance articles to assist, http://www.yourbudgetangels.com/

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You have made the decision to create a personal budget and the next stage is finding the right software to suit your needs. Below are some guidelines to help you choose the right financial software, along with the possible pitfalls when using free software.

Why make a personal budget? Making a personal budget is simply about making a log of all your expenditures and all of your income so that personal future income can be allocated towards expenses, savings and the repayment of debts. Once all your bills are paid, your bottom line is the amount that is left over for you to enjoy or invest, or the reverse is how much enjoyment you have to cut out of your life before you are in serious trouble financially! Some people have a lot of debt, and the only way to get back on track and get a clear picture of their finances is to make a budget where past spending and debt are considered to create a personal budget.

What features do I need for my personal budgeting? When choosing personal budgeting software, decide what features you require. If you have not made a budget before, keep it simple as the more complicated the budget system is, the less likely you are to stick to it! You do not need to list each and every item purchased, but can put them all into one category, e.g. car, food, etc. When choosing budgeting software, look for a program that can do the following:

Manages cash flowKeeps bank accounts, credit cards and savings information in one placeCreates charts and reports showing your budget activities so you can visualise how you are spending your money and can track progressCreates schedules and alertsManages debtGives savings recommendations/sets up spending goalsHas bills calendar/bills trackerCreates budget/budget calculator showing areas to cut back on and generates a spending plan

Where can I buy personal budgeting software? There are numerous personal budgeting software programs available either as downloads or discs that are installed on your computer. Search online to find software that will suit your needs and read up on the many reviews that are available about each particular package. You might, for example, choose to buy a bookkeeping package which includes budgeting functions. If available, download a free trial version first before deciding on purchasing a particular program. Compare prices, designs and features and see if there are any offers or coupons available when buying online.

Is free web-based personal budgeting software safe? These free sites host all your data online. The pros of this are these sites are great if you cannot afford to buy a program, or if your computer fails, your data can be accessed from any computer by using your password. There could be drawbacks however, as there is the possibility of security issues as not everyone would want to keep their personal data on somebody else's server. If you are just getting started with creating a personal budget, do not get overwhelmed by the task ahead. Once you have made that step and got started, the results will be extremely rewarding when you see your spending clearly set out before you, which will help you to achieve your financial dreams!

Our Personal Budgeting Software Is A Revolutionary Software Program That Will Push You To Get Your Financial Act Together Once & For All And Help You Improve Your Cash Flow! Give It A Try Today: http://www.cashflowbudgetcalculator.com/

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