The Only Budgeting Book You'll Ever Need: How to Save Money and Manage Your Finances with a Personal Budget Plan That Works for You
Format: PDF / Kindle (mobi) / ePub
<h2>Create a foolproof budget that's right for you!</h2>
Everyone wants a simple and practical way to manage their money, but with countless financial planners, budgeting articles, and websites available, it's not always easy to figure out where to start. Filled with only the most essential information on budgeting, this book shows you how to build a financial plan that not only meets your needs, but helps you stay on track.
From prioritizing goals and listing expenses to saving regularly and planning for future finances, this book guides you through all the important steps of budgeting with realistic advice. You'll be able to create a visual portrait of your finances as well as learn how to manage your spending, stay out of debt, and build for the future. This book also includes a resource guide for free and up-to-date web tools that make the process as easy and comprehensive as possible.
With The Only Budgeting Book You'll Ever Need, you will finally be able to find peace of mind knowing that you can create a realistic budget that works for your financial situation and goals.
parent’s house is stocked with items belonging to you that you no longer use and that may have some resale value, consider selling them and using the money to pay down your debts. (This is where you see the value of the list of your assets we made at the beginning of this book. It gives you a clear idea of exactly what you own that you might be able to convert into cash in order to reduce your debt.) BUDGETING TIP Don’t confuse pawnshops with tag sales, where you drag out all your stuff and try
eating baby food, how much will they eat? How many diapers do babies go through in a day? What are the essential supplies that babies need, and which are extras that you may be able to do without? How often do they have to visit the doctor? What symptoms warn you that an extra doctor visit is required? Which vaccines do babies need to get? How fast do babies grow? Do they wear shoes? When do they need hearing and eye exams? What about dental visits? Do babies need their own books? How many and
current value. This is the equity in your home. Instead of calculating the current value of your home, some lenders use the value from when you bought the home. If that was more than a couple of years ago, the current value may be much higher (although it also may be lower, depending on how housing prices in your neighborhood have performed). BUDGETING TIP Starting in 2008, home prices in the United States generally declined to the point that many Americans found themselves owing more on
they’ll charge to tow your car to the shop. Keep in mind that your insurance company or travel club may also offer free towing in a limited area. Find this out before you call a tow truck. Find Out if the Shop Will Let You Pay over Time When you find the repair shop that has the best prices and can get the job done quickly, find out whether they’ll let you pay over time, say, in three or four payments, without charging interest. They may say no, but it’s worth asking. Develop a New Budget
rent, insurance, etc.) and add them to Worksheet 4-2. Then prioritize those categories. Sound familiar? Right. It’s just what you did for your daily expenses. BUDGETING TIP Don’t let once-in-a-while expenses catch you off guard! To be sure you’ve thought of everything, go through last year’s checkbook, bank statements, receipts, or calendar to jog your memory about what you spent money on. Prioritizing Which Items You Want to Spend Money On You should now have a list of your expenses by