Budgeting-Great Advice On Budgeting Worksheets, Personal Budgeting, And Budgeting Tips

TopGear asked:

Part four of four. Jeremy Clarkson, Richard Hammond and James May were challenged to each buy a supercar for less than 10000 pounds and drive them from Bristol to Slough. Watch the hilarious challenges they are given along their journey. Hilarious video from BBC smash hit motoring show, Top Gear. Watch all FOUR parts of this brilliant supercar challenge in high quality the BBC Top Gear YouTube channel, and don’t forget to visit http://www.topgear.com for all the latest news and car reviews! …

Ginger Verry

zachary.sweet asked:


With detail, if possible.

Larisa Lofton

vmacommunications asked:

As part of its efforts to ensure the State’s leaders are putting patients first when it comes to developing a State Budget, Californians for Patient Care (CPC), a non-profit, patient-advocacy organizations, will hand-deliver a DVD of patient testimonies to Governor Schwarzenegger as well as other key leaders in the State Legislature on Wednesday July 9, 2008.

Lona Bringard

Proper financial planning is the key to avoiding living from paycheck to paycheck. We are living in trying times, which greater emphasizes the importance of budgeting your money. In order for our economy to come out of the recession before it gets to deep and long, we must start with the individual. By instilling proper financial planning principles into the masses people will start realizing how and what people can do with their money. I see people all the time living from paycheck to paycheck often needing advances because they do not know how to manage their money. A very easy and efficient tool to learn and use is budgeting. Budgeting is ultimately a plan that allows you to allocate your funds anyway you wish. Budgeting allows you to tackle your goals from a financial perspective through awareness. In determining your budget you are deciding how much money goes where so that you can chalk up the rest to savings. Budgeting may get a bad rap for many people perceive being on a budget as being on a financial diet. However this is not true for your budget is customized to the way that you see fit.

There are some common myths and misperceptions about budgeting that are ultimately false and I want to take the time to clear up the air. Setting a budget means that you have is constantly sacrificing. This statement is only as true as people let it be, for every single budget is customized. Therefore a person who is trying to save up for something in a small amount of time, then yes some sacrifice will be involved. However most budgets are put in place to ensure that people are allocating their funds correctly and responsibly. If there is no financial plan that exists people will be much more susceptible to participate in impulse purchasing.

A common myth about budgeting is that it takes up too much time. Proper budgeting methods are not overly complicated or intricate that a 10 year old could compose one. Also, frankly people do not have time to not participate in budgeting. The way that you spend your money decides a lot about the type of life you are living therefore budgeting should be high on your priority list. You will be able to determine significant cost savings by just laying out your expenses versus your revenues. Things that seemed important in the short term now do no look as important.

Another misperception about budgeting is that it can cause a rift in your family. Living on a budget is not a new concept, and maybe at first your family might need some time to get used to it but overtime it will seem normal. A good way to deal with this is determine a budget on a family basis saving up for something fun for the whole family. Getting the family to bond together to achieve a common goal will not only save you money, but it will place importance on what really matters most.



By: Jeff Nelson

About the Author:

Niki Veater

Sticking to a budget is a lot harder than creating a budget.  It’s particularly difficult when managing a budget for more than one person.  For instance, if you’re the money saver but your partner is the one nickel and diming you to death, you’re going to struggle.

When I was single I never had a problem sticking to my budget.  Also, since I love saving money, living within or below my means always meant I could spend my lonely weekends at home watching my savings account grow. OK, I didn’t avoid spending money, but I did get better at finding free events to attend so I could still be a social butterfly while saving money.  Life was good!

Of course, life is better with my other half, but living on a budget has become more difficult.  I can’t transmit my frugal ways to my husband through osmosis, and yet I have trouble saying no all the time because I enjoy the feeling of relaxing the purse strings and thinking, “It’s only money!”  My Virgo ways always kick-in after the high has worn off from a shopping spree or the cobwebs clear from my hangover and reality sets in: we’ve blown our budget again.

We tried the envelope budget system where we put cash into categorised envelopes such as clothes, entertainment, travel etc, but that didn’t work for a couple reasons.  First, I’m not going to carry all the envelopes with me in order for me to pull cash from the correct category as an expense comes up during the day. Second, if I leave the money at home, I end up using my debit card which defeats the purpose of the exercise. We always ended up shuffling money between envelopes, for instance if we didn’t spend all the clothing money, we’d move the extra over to the entertainment envelope, which totally breaks the budget rules!

We’ve had some success giving us each an “allowance” or pocket money.  Whatever your budget allows for, withdraw that money from the cash point at the beginning of the week and know that when the money is gone, you’ve got to wait for your next round the following week.  This gets really difficult when there are leaving drinks or some other event during the week which can eat up your whole allowance, but that’s part of the deal with budgeting.

What works best for us is to have an automatic transfer on payday from our current account to our savings account so a set amount goes directly into savings and then mortgage and other bills come out by direct debit and then what’s left is ours to spend.  This way, we actually tend to spend less because we don’t generally like to see our current account go below a certain balance, so we tend to cut back on our spending if we see the account getting low.

All said and done, if one budget system doesn’t work for you, don’t give up.  Keep trying different systems until you find with which you can live.  Budgeting needn’t be painful, but it can take time to establish good habits and to get a system in place.

Start good budgeting habits with the Wonga.com budget calculator.  This free tool is user-friendly and saves your data for future use or editing.

Create a new habit today!



By: Jamey Wheeler

About the Author:

Alline Maj

Have you created a budget, only to throw it out within a week or two? So many people take the time to start their budgeting — excited to make changes to their life — only to throw them out the window in a few weeks.

Every New Years, people promise to change their finances. But as soon as February rolls around, they’ve already fallen off course. Why are their budgets failing?

The main causes of budget failure actually start before you even sit down to prepare a budget. By being aware of these budgeting land mines, you can effectively avoid them and successfully budget your way to financial freedom.

The first cause of budget failure is all in the attitude. Have you ever heard that with a change of attitude comes a change of your entire world? This is true. A positive attitude about budgeting and financial change is essential to the success of your financial plan.

You have to stop thinking in negative terms. Do you think of budgeting as limiting you from purchasing the things you want? Is it a financial diet? Is it a big sacrifice that you must make?

Stop thinking that way. It is just setting yourself and your budget up for guaranteed failure. You have to look at what your budget is giving you — financial freedom. The ability to live well and have the things you want. Fewer bills each month. Less debt. More security. Retirement. All of these things are wonderful to work towards.

Think of your budgeting as getting you where you want to go. Yes, you may have to postpone some spending right now, but that will pay off greatly in the long run. Just stay focused on your goals and how much they mean to you.

If you don’t have the motivation to keep budgeting, you will forget to do it. If you are only doing it because I’m telling you to, it isn’t going to work. You have to have real reasons that mean something to you in order to succeed. The best motivations are your goals. By budgeting you can meet these goals. Keep your goals where you can see them. Review your budget often to make sure that you are staying on track.

Keep your budget in front of you on a daily basis. Don’t spend the time in creating it just to put it in a drawer and never pull it back out again.

When you budget, you have to be honest with yourself and reasonable in your expectations. What are you looking for out of your budget? If you think it is going to be an easy way to get lots of cash, you probably are a little off course. Budgeting will not magically transform your finances unless you put an effort into it. You have to stick with it over the long run. If you do, you will see progress towards your goals. But nothing is going to happen overnight.

Keep your goals reasonable as well. You shouldn’t expect that you can cut $200 off of your grocery spending in the first month you budget. Make small, easy steps that take you towards your larger goals. Budgeting is all about taking it step by step.

With a positive attitude, motivation and realistic expectations you are starting your budget out on the right foot. Know what is standing in the way of your budget and work to eliminate it.



By: Martin Lukac

About the Author:

Rolanda Sigel

nik a asked:


In business..there are plenty pf payables….But what is the formula of budget purchasing of stocks in my business store.as amonthly basis.

Thaddeus Manoi

markapsolon asked:

http://www.markapsolon.com/Mark_Apsolons_Training_DVDs.html This video reviews the pros and cons of small compact video cameras under $200 dollars. I review two different cameras in this video. The first is the Aiptek DV5800 and the second is the SVP HDDV-8800. Both are small compact cameras with a variety of features for the price. This video is rather long in order to cover everything on both cameras

Marshall Eppenger

it’sjustme79 asked:


So, I make a pretty good amount an hour, but have carnote, pay daycare for 2 kids, plus clothes, my half of all expenses from rent, utilities, cheap cell phone bill, blah blah blah…….. I am getting child support so that makes it alot easier, but there are sooooo many things that seem high dollar that I need to get done…….I need to make a dental appt (which I know will be about $200), belts replaced on my car engine (up to $400), a new catalytic converter on my car (upwards of $1000 possibly more. Had to afro-engineer it last year to get thru marta), my car painted, get insurance on my car (down payment will hurt on that one – have a high insurable car) and pay off alot of other bills (not big amounts, just small) ………..I need it all done NOW, but I dont know what to concentrate on, I feel like if I do one, then another will bite me in the ****…….any suggestions?

Daren Iwasaki