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Budgeting Basics Ebook
A budget is generally a planned list of all sources of income and all statements of expenses. In its simplest form a budget is no more than subtracting what you spend from what you earn. And you can leave it at that if you wish, but if you really want to gain control of your money its going to take a little more than that.
Effective money management addressed what you do with that simple
equation. Its about dissecting your spending and your earnings. Its about looking for opportunities for smarter and reduced spending.
If youre working with a financial advisor on creating a long term financial plan, youll recognize this process as one of the disciplines and the foundation of financial planning. This is the process of cash management.
For most people the challenge of taking control of your finances and properly managing your money can prove to be the most difficult of the disciplines of financial planning. Not because its the hardest to understand or its too complex. But where the struggle comes from is the need to take a serious and truthful look at your decision making in the
past, your familys habits and recognizing whats best for you and your family.
This doesnt mean sacrificing everything for the sake of a spreadsheet with balanced numbers on it. But it does mean taking responsibility for your own finances and giving you and your family the opportunity to really enjoy life and be financially secure.
Throughout this workbook youll find many different areas that have been broken down to include some explanations, suggestions and guidelines.
But thats all they are. Youll have to make some decisions, do a little research and ultimately a few changes as well.
If you make a concerted effort while going this book, you will be amazed how much of a difference it will make. Its common for families to go through this process and realize they can save $5000 to $10,000 a year, just by managing their money better. And usually the whole process can be done in a day and managed monthly in an hour.
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