Q. Every year around the month of December, I am more broke than any time of year. This year is no exception. However, this year I am not in the hole financially because I over spent on Christmas gifts. Its quite the opposite. I was so broke all year long that I never had any chance to save money for the holidays. This year I wasn't even able to purchase one gift. I know that Christmas isn't about giving gifts, but I would like to do more for those who have done so much for me all year long. Is there an effective way to keep a budget and make it stick? I don't want anything online where I have to enter my sensitive bank Information. I am just looking for an easy to do...plain and simple...paper and pencil....budgeting method. If anyone has any ideas to get me started in the right direction for the new year it would be greatly appreciated. I want to make 2013 the year of financial changes.
A. This question is going to get a lot of really good answers, for you to choose from.
The first thing to do is to have a good mind set that lasts. If you don't achieve this any budget work will go out the window.
The first start is the pen and paper, and you have all the income, and fixed costs calculated.
Fixed costs are those such as rent, etc that won't change.
Then look at some savings.
Take 10% of your income and save it. Don't touch it, always pay yourself first.
Cut up any credit cards. If you can't afford it don't buy it. Learn to say no. You will need to harden up to do this.
If you no Excel, set up a cash flow page. You can set up a page for the whole year, broken into weeks.
This is what I do, I have all the incoming and outgoings calculated for the year. All the calculations are linked, and I am able to see if I spend money in July, what impact I will have to cover in November.
This tool is the best for me, as I can go into the pay week, and calculate the income and expenditure.
If there is a negative at the bottom of the column, then you need to do something about that. But, any entry's in July, flow all the way through the chart, and I can instantly see what the impact will be ahead in the year.
I have used this system for years, and it works.
Set up a savings plan, for the rainy day, that always comes.
But more importantly, you need to alter your behaviour to achieve this.
Good luck.
The first thing to do is to have a good mind set that lasts. If you don't achieve this any budget work will go out the window.
The first start is the pen and paper, and you have all the income, and fixed costs calculated.
Fixed costs are those such as rent, etc that won't change.
Then look at some savings.
Take 10% of your income and save it. Don't touch it, always pay yourself first.
Cut up any credit cards. If you can't afford it don't buy it. Learn to say no. You will need to harden up to do this.
If you no Excel, set up a cash flow page. You can set up a page for the whole year, broken into weeks.
This is what I do, I have all the incoming and outgoings calculated for the year. All the calculations are linked, and I am able to see if I spend money in July, what impact I will have to cover in November.
This tool is the best for me, as I can go into the pay week, and calculate the income and expenditure.
If there is a negative at the bottom of the column, then you need to do something about that. But, any entry's in July, flow all the way through the chart, and I can instantly see what the impact will be ahead in the year.
I have used this system for years, and it works.
Set up a savings plan, for the rainy day, that always comes.
But more importantly, you need to alter your behaviour to achieve this.
Good luck.
When will Kingdom Hearts 3 be released in the US?
Q. My little cousin loves the series and I was thinking about getting it for her as a Christmas gift. When does it come out?
A. Kingdom Hearts Birth by Sleep(PSP) is still in the development and thus will make an appearance during Winter in Japan and somewhere in 2010 it'll appear in America.
KH3 has yet to be developed or thought of. I believe Tetsuya Nomura has another idea before KH3, so there will be no Kingdom Hearts 3 until maybe 2012 or 2013
KH3 has yet to be developed or thought of. I believe Tetsuya Nomura has another idea before KH3, so there will be no Kingdom Hearts 3 until maybe 2012 or 2013
Help With Destination Wedding Gift Bag Ideas?
Q. My fiance and I are planning a very small wedding (around 20 people, including 4 children) at Disney World in January 2013. We can't afford to pay for everyone's rooms but would like to have a gift bag waiting for them in their room when they arrive. Can you help me with some cute and creative ideas for what to put in them? i would really appreciate it!
A. In addition to items mentioned by the first answerer, it would be nice to put in some microwaveable popcorn and a roll of quarters for vending machines. Another item that would be nice is a Dell Variety Puzzles or Dell Pencil Puzzles and Word Games magazine and a deck of cards for times in the room when they might need to unwind. For the children, depending upon their ages, a Mickey Mouse coloring book and crayons, a small flashlight, a little stuffed animal, packages of fruit snacks, a little box of goldfish crackers, juice packets (the best is Roarin' Waters fruit flavored water-its low cal), and a book. For the kids, you could make a little welcome letter on printable disney stationary (online) and do something like "Gorsh! I am just so happy you are here for _____ & ______'s wedding! I hope you have LOTS of fun! Love, Goofy (or another character)
How do you plan a wedding?
Q. Planning a Wedding for October, 19th 2013. & i have not the slightest idea on where to begin. Any help would be greatly appreciated. Thank You.
A. Congrats on the wedding. Actually without realizing you already HAVE begun. You picked a date. Sometimes that's pretty hard!
1. Get yourself a notebook and keep your thoughts and ideas in it! You'll need it and love it. Splurge a little and get a niceish one.
2. to start off, sit with you and your fiance to get a close budget. then sit with parents and find out if they will be contributing. If there are financial issues I would expect less so plan with a smaller budget. It's rough but personally it's better to expect less because a LOT of unexpected things will come up, TRUST ME! If planning for a wedding under $10k it will take a lot of planning and figuring out ways to make things cheaper. That's a whole other question!
3. Start thinking about a guest list, and if parents are contributing lots, find out what they are thinking.
4. Use your notebook and start jotting down ideas for they type of wedding you want. Do you want it small? outdoors? formal? What do you want! Work from there.
5. go on pintrest to get some ideas. Great a "board" and expand from there.
6. once you have a budget and aprox guest numbers, you can start looking for venues. I would start with the reception first (espec if on a budget) and then find a ceremony venue (who knows, you may choose to get married at your venue!)
7. Bridal party- how many and who? And no, you arent responsible to pay for their dresses, BUT more bridesmaids mean more gifts to buy, more drama, and more flowers. Plus it makes the possition less special.
8. dress shopping
1. Get yourself a notebook and keep your thoughts and ideas in it! You'll need it and love it. Splurge a little and get a niceish one.
2. to start off, sit with you and your fiance to get a close budget. then sit with parents and find out if they will be contributing. If there are financial issues I would expect less so plan with a smaller budget. It's rough but personally it's better to expect less because a LOT of unexpected things will come up, TRUST ME! If planning for a wedding under $10k it will take a lot of planning and figuring out ways to make things cheaper. That's a whole other question!
3. Start thinking about a guest list, and if parents are contributing lots, find out what they are thinking.
4. Use your notebook and start jotting down ideas for they type of wedding you want. Do you want it small? outdoors? formal? What do you want! Work from there.
5. go on pintrest to get some ideas. Great a "board" and expand from there.
6. once you have a budget and aprox guest numbers, you can start looking for venues. I would start with the reception first (espec if on a budget) and then find a ceremony venue (who knows, you may choose to get married at your venue!)
7. Bridal party- how many and who? And no, you arent responsible to pay for their dresses, BUT more bridesmaids mean more gifts to buy, more drama, and more flowers. Plus it makes the possition less special.
8. dress shopping
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Title Post: What is the most effective way to budget?
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Author: Unknown
Thanks For Coming To My Blog
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