Photo Credit: forbes.com
Do You Have A Budget?
Many people do not use a budget because they figure they won't stick to it anyway, so why bother.
Others do not have a budget because when they think about doing one, it sounds too hard.
And still others think they don't need one.
The truth is, everyone who is earning income and spending it regularly or planning to spend it, needs a budget. Chances are, if you are reading this, you need a budget. It's not an option. Either you will tell your money where to go or you will wonder where it went.
If you haven't used one regularly, once you are established in it and actually sticking to it, you will think you got a raise. Not only that, using a budget gives you peace of mind. There are fewer surprises and fewer unknowns. It will be like a road map with rail guards (boundaries). And it help you not to forget monthly bills or savings toward irregular expenses (like annual insurance or vehicle tags, etc).
And there are many options to creating and maintaining a budget: good ole pen and paper, spreadsheets, or many, many app options. I like my old school spreadsheet but I also use an app for an on the go snapshot of what I have left to spend on groceries, gas, etc.
If you need help setting up a budget, I can help with that.
You can master your money... and I can help!
Contact Michelle Serna by filling out the Contact Me form to the right of this post.
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