eric seiger
<b>News</b> Corp Names EVP Office Of Chairman – Deadline.com
NEW YORK, NY, November 9, 2010 – News Corporation today announced that Former New York City Department of Education Chancellor Joel Klein will join the Company as Executive Vice President, Office of the Chairman. ...
Wednesday Morning Fly By: NHL and Phantoms <b>News</b> - Broad Street Hockey
Today's open discussion thread, complete with your daily dose of Philadelphia Flyers news and notes... Remembering Pelle Lindbergh: [Flyers Faithful]; Looking at Peter Laviolette's impact on the Flyers: ...
<b>News</b> Poll FAIL - Epic Fail Funny Videos and Funny Pictures
epic fail photos - News Poll FAIL. ... News Poll FAIL. epic fail photos - News Poll FAIL. Submitted by: Unknown. Incorrect source or offensive? G-rated, math is too hard, news, News Poll, opinions, poll, television ...
eric seiger
eric seiger
<b>News</b> Corp Names EVP Office Of Chairman – Deadline.com
NEW YORK, NY, November 9, 2010 – News Corporation today announced that Former New York City Department of Education Chancellor Joel Klein will join the Company as Executive Vice President, Office of the Chairman. ...
Wednesday Morning Fly By: NHL and Phantoms <b>News</b> - Broad Street Hockey
Today's open discussion thread, complete with your daily dose of Philadelphia Flyers news and notes... Remembering Pelle Lindbergh: [Flyers Faithful]; Looking at Peter Laviolette's impact on the Flyers: ...
<b>News</b> Poll FAIL - Epic Fail Funny Videos and Funny Pictures
epic fail photos - News Poll FAIL. ... News Poll FAIL. epic fail photos - News Poll FAIL. Submitted by: Unknown. Incorrect source or offensive? G-rated, math is too hard, news, News Poll, opinions, poll, television ...
eric seiger
eric seiger
eric seiger
<b>News</b> Corp Names EVP Office Of Chairman – Deadline.com
NEW YORK, NY, November 9, 2010 – News Corporation today announced that Former New York City Department of Education Chancellor Joel Klein will join the Company as Executive Vice President, Office of the Chairman. ...
Wednesday Morning Fly By: NHL and Phantoms <b>News</b> - Broad Street Hockey
Today's open discussion thread, complete with your daily dose of Philadelphia Flyers news and notes... Remembering Pelle Lindbergh: [Flyers Faithful]; Looking at Peter Laviolette's impact on the Flyers: ...
<b>News</b> Poll FAIL - Epic Fail Funny Videos and Funny Pictures
epic fail photos - News Poll FAIL. ... News Poll FAIL. epic fail photos - News Poll FAIL. Submitted by: Unknown. Incorrect source or offensive? G-rated, math is too hard, news, News Poll, opinions, poll, television ...
eric seiger
eric seiger
eric seiger
<b>News</b> Corp Names EVP Office Of Chairman – Deadline.com
NEW YORK, NY, November 9, 2010 – News Corporation today announced that Former New York City Department of Education Chancellor Joel Klein will join the Company as Executive Vice President, Office of the Chairman. ...
Wednesday Morning Fly By: NHL and Phantoms <b>News</b> - Broad Street Hockey
Today's open discussion thread, complete with your daily dose of Philadelphia Flyers news and notes... Remembering Pelle Lindbergh: [Flyers Faithful]; Looking at Peter Laviolette's impact on the Flyers: ...
<b>News</b> Poll FAIL - Epic Fail Funny Videos and Funny Pictures
epic fail photos - News Poll FAIL. ... News Poll FAIL. epic fail photos - News Poll FAIL. Submitted by: Unknown. Incorrect source or offensive? G-rated, math is too hard, news, News Poll, opinions, poll, television ...
eric seiger
eric seiger
<b>News</b> Corp Names EVP Office Of Chairman – Deadline.com
NEW YORK, NY, November 9, 2010 – News Corporation today announced that Former New York City Department of Education Chancellor Joel Klein will join the Company as Executive Vice President, Office of the Chairman. ...
Wednesday Morning Fly By: NHL and Phantoms <b>News</b> - Broad Street Hockey
Today's open discussion thread, complete with your daily dose of Philadelphia Flyers news and notes... Remembering Pelle Lindbergh: [Flyers Faithful]; Looking at Peter Laviolette's impact on the Flyers: ...
<b>News</b> Poll FAIL - Epic Fail Funny Videos and Funny Pictures
epic fail photos - News Poll FAIL. ... News Poll FAIL. epic fail photos - News Poll FAIL. Submitted by: Unknown. Incorrect source or offensive? G-rated, math is too hard, news, News Poll, opinions, poll, television ...
eric seiger
<b>News</b> Corp Names EVP Office Of Chairman – Deadline.com
NEW YORK, NY, November 9, 2010 – News Corporation today announced that Former New York City Department of Education Chancellor Joel Klein will join the Company as Executive Vice President, Office of the Chairman. ...
Wednesday Morning Fly By: NHL and Phantoms <b>News</b> - Broad Street Hockey
Today's open discussion thread, complete with your daily dose of Philadelphia Flyers news and notes... Remembering Pelle Lindbergh: [Flyers Faithful]; Looking at Peter Laviolette's impact on the Flyers: ...
<b>News</b> Poll FAIL - Epic Fail Funny Videos and Funny Pictures
epic fail photos - News Poll FAIL. ... News Poll FAIL. epic fail photos - News Poll FAIL. Submitted by: Unknown. Incorrect source or offensive? G-rated, math is too hard, news, News Poll, opinions, poll, television ...
eric seiger
<b>News</b> Corp Names EVP Office Of Chairman – Deadline.com
NEW YORK, NY, November 9, 2010 – News Corporation today announced that Former New York City Department of Education Chancellor Joel Klein will join the Company as Executive Vice President, Office of the Chairman. ...
Wednesday Morning Fly By: NHL and Phantoms <b>News</b> - Broad Street Hockey
Today's open discussion thread, complete with your daily dose of Philadelphia Flyers news and notes... Remembering Pelle Lindbergh: [Flyers Faithful]; Looking at Peter Laviolette's impact on the Flyers: ...
<b>News</b> Poll FAIL - Epic Fail Funny Videos and Funny Pictures
epic fail photos - News Poll FAIL. ... News Poll FAIL. epic fail photos - News Poll FAIL. Submitted by: Unknown. Incorrect source or offensive? G-rated, math is too hard, news, News Poll, opinions, poll, television ...
eric seiger eric seiger
eric seiger
eric seiger
eric seiger
<b>News</b> Corp Names EVP Office Of Chairman – Deadline.com
NEW YORK, NY, November 9, 2010 – News Corporation today announced that Former New York City Department of Education Chancellor Joel Klein will join the Company as Executive Vice President, Office of the Chairman. ...
Wednesday Morning Fly By: NHL and Phantoms <b>News</b> - Broad Street Hockey
Today's open discussion thread, complete with your daily dose of Philadelphia Flyers news and notes... Remembering Pelle Lindbergh: [Flyers Faithful]; Looking at Peter Laviolette's impact on the Flyers: ...
<b>News</b> Poll FAIL - Epic Fail Funny Videos and Funny Pictures
epic fail photos - News Poll FAIL. ... News Poll FAIL. epic fail photos - News Poll FAIL. Submitted by: Unknown. Incorrect source or offensive? G-rated, math is too hard, news, News Poll, opinions, poll, television ...
Whether you're a shopaholic or a conservative spender, there's always room for improvement when it comes to your finances. Even thought the word 'budget' might have you cringing, there are some easy and effective ways to create one that works within your lifestyle, and won't compromise your habits-not too much, anyway.
A personal budget can have you spending freely and with confidence; if you've been nurturing a habit of overspending, all it takes is a little planning and focus to get you on the right track. Budgeting doesn't have to mean a gloomy existence; many people avoid it entirely just like dieting. If you're not enjoying the process, you've likely got yourself stuck in a plan that doesn't work for you. Here are eight ways to make a personal budget that actually works:
1. Create a spreadsheet. Some simple columns and even colors can spruce up your outline, and help you track expenses and revenue. You'll get to play accountant with some simple tables, and can go full force with color coding and even images as you get more comfortable tracking those figures. Writing things down and keeping records is the first step in making sure you're being realistic about your projections and your actual spending. Draft up a spreadsheet with a simple monthly breakdown of your expenses and income. Section it off by month, and add a formula that shows your 'profit' after all money has been allocated. This can be a real eye-opener, but is a necessary first step.
2. Be as realistic AND outlandish as possible. Create two separate budgets if you need to. The idea is to remove any doubts you might have about what you spend, and what you would like to spend. The 'like to' budget can be broken down in exactly the same way as your actual estimates, and you'll be able to see at a glance what is preventing you from spending the way you want. The 'current' budget can help you see the reality of your spending habits.
3. Identify the problem areas. Now that everything is in writing, take a look, a real look, at what's going on. Can you skip that Netflix subscription for the next three months and put it into savings instead? Are your grocery expenses out of control? Take a look at the numbers, and prioritize your real needs.
4. Play around with the numbers. What would happen to your bottom line if you removed your credit card debt completely? What would be available for savings if you cancelled your magazine subscriptions? Trial and error in each expense account will bring you some perspective on what's important, and having the numbers right there in front of you can make this a very simple and effective process.
5. Allocate a Savings Expense. This is one of the easiest ways to build your savings account with minimal stress. When you know how much income you can expect at month's end, calculate 15% of this as a savings 'expense.' Put this amount into your expense column, and forget about it! Once you get into the habit of doing this, you'll see how easy it is to build a savings account.
6. Set some goals. This is the hard part, but you need to understand that each goal you accomplish is a step in the right direction. If you plan on spending $150 this week for groceries, tally up those receipts and put it into the spreadsheet. Over time, you'll have a track record of meeting your budget goals in every line of expenses, and just doing this can help boost your confidence to achieve the next goal.
7. Become number friendly. Believe it or not, financial gurus do have specific percentages outlined for allocating all of your income. CNN Money defines the following amounts as 'ideal'.
- Housing and debt (including personal loans, auto loans, child support): 30%
- Taxes: 25%
- Insurance: 4%
- Savings: 15%
- Living Expenses: 26%
8. Be patient! Any lifestyle habits and patterns can be hard to break, and you'll need to be patient when you don't feel like you're making progress. Budgeting itself isn't difficult to do, it's the process of relearning how to manage money that makes it difficult. Take your time, and focus on one specific area each month. Over a few months, you'll be well-equipped to handle the entire budget at once!
eric seiger
<b>News</b> Corp Names EVP Office Of Chairman – Deadline.com
NEW YORK, NY, November 9, 2010 – News Corporation today announced that Former New York City Department of Education Chancellor Joel Klein will join the Company as Executive Vice President, Office of the Chairman. ...
Wednesday Morning Fly By: NHL and Phantoms <b>News</b> - Broad Street Hockey
Today's open discussion thread, complete with your daily dose of Philadelphia Flyers news and notes... Remembering Pelle Lindbergh: [Flyers Faithful]; Looking at Peter Laviolette's impact on the Flyers: ...
<b>News</b> Poll FAIL - Epic Fail Funny Videos and Funny Pictures
epic fail photos - News Poll FAIL. ... News Poll FAIL. epic fail photos - News Poll FAIL. Submitted by: Unknown. Incorrect source or offensive? G-rated, math is too hard, news, News Poll, opinions, poll, television ...
eric seiger
<b>News</b> Corp Names EVP Office Of Chairman – Deadline.com
NEW YORK, NY, November 9, 2010 – News Corporation today announced that Former New York City Department of Education Chancellor Joel Klein will join the Company as Executive Vice President, Office of the Chairman. ...
Wednesday Morning Fly By: NHL and Phantoms <b>News</b> - Broad Street Hockey
Today's open discussion thread, complete with your daily dose of Philadelphia Flyers news and notes... Remembering Pelle Lindbergh: [Flyers Faithful]; Looking at Peter Laviolette's impact on the Flyers: ...
<b>News</b> Poll FAIL - Epic Fail Funny Videos and Funny Pictures
epic fail photos - News Poll FAIL. ... News Poll FAIL. epic fail photos - News Poll FAIL. Submitted by: Unknown. Incorrect source or offensive? G-rated, math is too hard, news, News Poll, opinions, poll, television ...
eric seiger
No comments:
Post a Comment