Money Management

Getting Serious About Money

Personal finance was never taught in high school or college. It would have been great if it had been, along, with learning about the Civil war, you also learned how to create a budget or save for retirement.

Money is one of the few things in life that is both a means and an end. In other words, you need money to make money. You can't save a dime without a penny to start with. However, there is something more powerful than money-KNOWLEDGE. If used correctly, knowledge will override money every time.

There is the traditional method and a non-traditional method of looking at finances. We're going to look at both. Why? Because the more options we have the greater chance of success.



Budget Works
A budget is a simple financial plan that will help you make the most or your money. No matter how many bills you have or how much or little money you earn, a budget can help you make smarter spending decisions and stay our of debt. It can help you set realistic financial goals and calculate the cost and financial life in order.

A budget is and estimate of your income and expenses over a specified period of time. The key word is estimate. Many people have the wrong mindset about budgets.
They think of budgets as a straight jacket. Instead the reason a budget is good for you should be considered. Below are 20 really good reasons to set up a budget.


Budget will help you;

1. Stop living from paycheck to paycheck
2. Get out of debt
3. Stay out of debt
4. Get a grip on your spending
5. Curb impulse purchases
6. Find ways to cut costs
7. Build an emergency cash fund
8. Set and prioritize
9. Start a savings program
10. Retire early
11. Be a smarter consumer
12. Learn to live within your means
13. Live on less money
14. Pay your bills on time
15. Meet your families changing financial needs
16. Reduce stress associated with saving for big expenses
17. Distinguish between "needs" and "wants"
18. Stop making ends meet with a credit card
19. Keep some "mad money" to splurge with
20. Sleep at night without worrying about your bills
    

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