Sheets for Finances

Updated: Feb 28


Budgeting

It’s all about what you have to spend and how you spend it. Sticking your head in the sand like an ostrich is not an option. Just because you haven’t written it down doesn’t mean there isn’t a problem. Here’s the simple fact - Budgeting is necessary so that you can be a good steward and a key tool in increasing savings and boosting Net worth. What if you find you are spending too much? Then adjust your spending. What if you don’t know where to begin? There are websites, spreadsheets and an APP for that. What if it is better than you imagined? Fantastic! You now feel better about your finances. The simple rule for balancing your budget – Give some – Spend some – Save some. The key is not to spend more than you make.

** Don't forget savings & investments ** Don't forget Retirement

In an effort to be financially fit, it all starts with a budget. Let’s tackle this one area. Get a plan for spending.

MASTER YOUR FINANCES BY GAINING CONTROL!

~Chonta Haynes

Suggestions:

  • Create and/or Review your budget

  • Identify areas of improvement in your budget – highlight them and research.

  • Journal all your spending for the month.Re-adjust your budget.

  • Set up a bill payment calendar – set up automatic payments if appropriate.

  • Select one expense to lower - do your research and make the adjustment

  • Create a financial binder to gather all your documents

  • Share the need & websites for financial fitness with someone (family, friend, youth, co-worker)

  • http://www.mdmproofing.com/iym/products/simple-budget


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