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Budgeting Articles
Jun 12th 2008
Knowing how to manage money can help you make smart choices Your money will work harder for you You'll be more likely to avoid traps that can undermine your ability to attain your financial goals You'll be in a better position to pay off debt and build savings Calculate how much money you earn in a month after taxes For this budget plan use your net pay or take home pay Include tips supplementary income...read more May 31st 2008
Firstly what do I mean by a financial goal For most of us that would generally be a goal to either increase income or reduce consumer debt Of course there may be times in our lives where we want to increase consumer debt to acquire goods and services sooner or to reduce our income as a trade off to have more time but in this article let's set those situations aside In particular let's look...read more May 21st 2008
Small business owners generally fall into two categories There are the business owners that let their accounting tasks invoicing and payables pile up on their desk - or even in a shoe box until they're forced to face the music Usually this happens around tax time The other sides of the coin are the business owner that are amazingly organized and know where every penny of their money is going What do these business owners...read more May 20th 2008
Creating a business budget is very similar to creating a personal budget However there are some differences When you own a business taxes are not directly taken out of your income which makes your income and any quarterly tax payments extra important to track Having an accurate and realistic budget will help you make accurate spending decisions and make it easier to predict profits Which means the more frequently you track you costs the better...read more Apr 8th 2008
Do you have a burning desire to achieve in a sport hobby talent or business venture but you never seem to have the time or money to achieve it Today I am going to talk about the importance of budgeting in relation to goal setting For years and years I have set goals but I never used to fully fund the goals Before I had a home loan it was pretty easy actually I would...read more Mar 30th 2008
The thought of putting yourself and your family on a budget can often feels overwhelming for many The truth of the matter is that not having a budget operating with financial blinders on is much more overwhelming than creating and sticking to a budget Before you even get started thinking about a budget you'll probably want to spend some time assessing your attitude to money Money is not an evil or a bad thing In...read more Mar 30th 2008
To borrow a line from the Police it might seem as easy as your a-b-c's but there's a lot that goes into effective financial modeling For the past years with Practice Technologies and going back some years before that financial modelling has always been central to the analysis I've relied upon to evaluate a business' health or justify an investment in its growth There are several important steps to follow in developing a financial model...read more Mar 26th 2008
In this day and age it is easier than ever to spend money - just whip out your debit card and buy whatever you want The problem with these nearly frictionless transactions is that it is difficult to keep track of your money When most people wrote checks for every day purposes at least they had transactions recorded in their checkbook Every time a check was written the person writing the check would be forced...read more Mar 16th 2008
Sit amongst a group of friends and associates and mention the word budget and suddenly everyone has somewhere else they need to be Usually no one wants to talk about budgets no one wants to think about budgets and no one wants to follow a budget However when looked at with open eyes a budget is actually a fantastic thing Here are three reasons why budget may become your favorite word Reason A budget puts...read more Mar 15th 2008
Have you ever had an argument with your partner about money Has he or she spent more than they should Have you over-spent and tried to cover it up to avoid a fight I have developed a system to stop the arguments over money I have been married for nearly years and we never ever fight about money I will provide some simple steps for you to take to stop the arguments over money permanently...read more Mar 9th 2008
Ah America land of the free home of the indebted According to CNNMoney com the average American household has almost in debt That's the average Some have much much more Interest rates generally run in the mid to high teens so counting interest and payments on other debt such as mortgages the average American is dealing with a heavy debt load So what can you Mr or Ms Average American do to get yourself out...read more Jan 3rd 2008
Mortgage refinancing is a good move in most cases and can be very beneficial for the home owner On the other hand mortgage refinancing can go wrong and the reality is you might end up with a new agreement that is worse then the previous one You need to understand when and how to properly concider any type of refinancing We all want to save money and lower insterest rates but losing money through a...read more Jan 2nd 2008
Many excellent articles have been written offering useful innovative tips on ways to save money We'd like to take a different approach Let's look at what we call the philosophy of frugal living Don't confuse frugal with stingy What's the difference If you're being frugal you make use of the coupon in your Entertainment Book when dining out If you're being stingy you use the coupon as an excuse to under-tip the waiter Being frugal...read more
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