Posted by admin on Mar 7, 2010 in
How To Budget
Budget planner worksheets are very useful tools that can help you keep track of your finances. There are many websites on the Internet where you may download budget worksheets for free and be in control of your financial situation.
The best websites that offer free budget planner worksheets are:
http://office.microsoft.com/en-us/templates/TC062062791033.aspx
Microsoft offers free, downloadable templates to guide through your finances. The link above is the personal budget template that has income and expenses allocated on a monthly basis. Expenses include home, daily living, transportation, entertainment, health, vacations, dues, subscriptions, personal, financial obligations & miscellaneous payments. All are summed up at the end, and you may calculate if you are short on cash or not at the end of the template by deducting expenses from income. It is totally straightforward and easy to use; and most importantly free with the guarantee of excellence of Microsoft.
www.spreadsheet123.com
This template is a great solution for planning your monthly budget. It helps you make a comparison of your estimate vs. your actual monthly expenses and track the categories that you spend more than you should. The template can be downloaded for free and the website provides also a guide for creating a Personal Budget Spreadsheet in Excel.
http://www.docstoc.com/docs/7923811/Budget-Planner-Worksheets
DocStoc.com is a website that you can find pretty much everything and you can download it for free. The same goes for budget planner worksheets that are well-structured and contain also instructions on how to complete the form and familiarize yourself with the different categories.
http://www.betterbudgeting.com/budgetformsfree.htm
Betterbudgeting.com provides a variety of free budget forms to help you stretch your dollar and work on your debt issues. It also offers helpful guidelines for those who are not so familiar with budgeting issues. Overall, the worksheet is structured and can be easily understood and completed from anyone, even from those who had never done budgeting before.
http://www.vertex42.com/ExcelTemplates/family-budget-planner.html
In Vertex42.com you may download for free a variety of Excel spreadsheets that can help you create annual budgets and make predictions to estimate your future financial situation. You may use these budget planner spreadsheets to plan carefully for your future and know where you stand at any particular moment.
On the Internet, there are many budget planner worksheets available that can match your needs and help you mastering your finances. Putting your income and expenses on a piece of paper and confronting them on black and white helps you plan your budget on a monthly basis.
Christina Pomoni has acquired her MBA Finance from the American College of Greece. Her advanced familiarity with financial statement analysis, capital budgeting and market research has been acquired through her professional career at high-esteemed organizations. As part of her long journey, Christina has served as an Equity Research Associate at Telesis Securities (EFG Eurobank) and a Financial & Investment Advisor at ING Group. Besides, having lived at Chicago, IL, Boca Raton, FL and Paris, France has helped her, not only to be a successful professional, but mostly to see life under a more creative and innovative perspective.
Since 2005, Christina provides high quality writing services to numerous websites and research companies contributing her knowledge and expertise. Her areas of specialization are Business, Finance & Investment, Society, Politics & Culture. She also has a very good knowledge of Entertainment, Health & Fitness and Computers & Technology.
Christina currently designs the website of her own writing company. Believing that knowledge is the road to opportunity and development, her mission is to promote her already established knowledge to a growing number of visitors and to provide high quality writing services to meet the most demanding customer requirements.
Tags: budget, find, Free, Planner, worksheets
Posted by admin on Feb 25, 2010 in
How To Budget
For those who have never made a budget before a monthly budget planner can be a good way to get your feet wet. Organizing your finances can be an exasperating experience if you’ve never done it before, but it an important step if you want to win back your financial freedom. Knowing where you money goes and what it does is probably the most important thing you need to control if you want to succeed with money.
Before deciding on which type of budget planner to use it is best to start with a written budget using nothing more then a pencil and paper. This helps you get used to the idea of actually making a personal budget and gives you and idea as to where you stand financially. Writing down all your income and expenses is the first step to getting organized.
Once you are ready to move to something a little more sophisticated you can start using pre-printed budget sheets. These sheets have categories for both income and expenses which can be helpful in organizing your finances. All you have to do as you sort through your bills and check book register is plug your financial information onto the correct line.
These pre-printed spreadsheets can be printed off of internet sites that offer free budget sheets or you can find them at just about any office supply store. The only problem with these sheets is you won’t always be able to match your finances to the right category which means you may have to write them in by hand.
If you are good with computer spreadsheet software then you may consider creating your own custom budget using something like Microsoft’s Excel. There is an amazing amount of flexibility in using this type of software to build a monthly budget. You can customize it to do just about anything, from tracking monthly income and expenses to tracking retirement accounts, investments, and mortgage amortization rates.
If you aren’t of the computer geek mentality don’t despair because there are budgeting software programs that already have everything you need right out of the box. The two best well known are Microsoft Money and Quicken by Intuit. These powerful programs can handle just about any financial task you can throw at them. They will even allow you to download your financial information directly from your bank and financial institutions you do business with. From budgeting to financial planning these programs do it all.
As you can see there are quite a few options when it comes choosing a monthly budget planner. No matter which option you choose building a budget is the first step to taking back control of your financial well being.
Tags: budget, Control, Money, Monthly, Planner, Take
Posted by admin on Feb 17, 2010 in
How To Budget
how many times you ask yourself where all my money gone? you know no matter how much money you earn you might find yourself in debts. and this due to spending without control. some people have a filling that they have unlimited supply of money in the bank just passing the credit card and you can buy everything you like. but one day you came to a point where you understand that something has to be done with your budget planning.
i have seen all kind of personal budget planners. i thought maybe the budget planner will somehow give me more money in the pocket. well i guess not. The bottom line is, a paper personal budget planner will work as well as a fancy computerized one. It isn’t about how the personal budget planner looks, its about using it. And for most people, it is something we don’t really like to do either with personal budget planner or without it.
so it seems like i must live according to my budget. and if i know my budget, i can tell what i need to change in my money spending. a personal budget planner can track my immediate monetary sources and can help me achieve my financial goals.
For me, the problem wasn’t the personal budget planner that I used. it has no problems with it. i thought that my problem used to be that I simply did not use the personal budget planner enough. years ago I was making a lot of money working full time job I was living above my means. But my means were so great that, use of my personal budget planner was not really necessary. but as now i retired and receive only pension allowance. i know that my problem was not that I wasn’t making good use of my personal budget planner.
I felt like I was broke, and always some bill or other payments hanging over me and disturbing my sleep, and I was in some kind of deep trouble. It took me a while to realize that my problems had nothing to do with the personal budget planner. My problems had a lot to do with me making very little money, however. It was then that I knew that I needed to take a second job to really balance my budget. After a lot of looking, I found a job that pays the bills. i found a part time job with less salary, Now, even when I do neglect my personal budget planner for a week or so, it is okay. You see, I still have some money in my budget to plan!
Tags: budget, Finance, Personal, Planner
Posted by admin on Feb 2, 2010 in
How To Budget
There are plenty fancy ideas out there for personal budget planners. You can use them on your computer or on handheld devices. They sound like awesome little gadgets except it gives you the idea that owning one will mean you’ll somehow have tons of extra money. Excel has one of those programs that let’s you graph everything out or plot your progress on pie charts. While they seem fancy and look cool, you can’t make a silk purse out of a sow’s ear, as my grandmother used to say. In other words, if you don’t have the money to spend, a fancy budget planner won’t help you very much.
I don’t think it’s half as important if you have one of these things than it is to actually use one. Sometimes they’re too complicated than they’re really worth. I personally like the idea of a paper log book, a nice sharp pencil and maybe a calculator. I like the idea of seeing the numbers all work out for myself rather than having a computer do it all for me. The computerized budget planners are too abstract and it makes me nervous not to see the numbers right there.
I have a great brown leather bound budget planner. It’s elegant and, for the most part, it’s easy to use. But I’ve decided that’s not my real problem when it comes to budgeting. The problem is my taking the time to make use of it. If I slack off, the numbers won’t add up and nothing really makes sense. I remember when I was making a ton of money in one of those upstart Internet companies; I didn’t think I needed to worry about budgeting. I was definitely living high off the hog, though, and I needed to find a way to get my finances in order. I made a few notations in my personal budget planner and, since I was making so much cash, it didn’t take long to catch up and be more financially secure.
Well, as you may imagine, the dot com industry didn’t last forever, so I took another position as a systems administrator. I wasn’t making as much money and it wasn’t a good time for me. I felt like I never had enough money. I thought maybe I wasn’t using my budget planner correctly and the bills started stacking up. I lost more than a few nights’ sleep, worrying about the whole thing. After a while, I realized that my personal budget planner was not at the root of my money problems at all. Rather, I simply wasn’t making enough money to keep up with the lifestyle I really wanted to live.
So, I took action and got a second job to make up the difference. It was a boring job but it paid pretty well. I quickly found that my finances were much better and I’m back to doing it the way I once did.
Tags: Benefits, budget, Having, Personal, Planner