Having A Budget: Why Should I Make a Budget?
You say you know where your money goes and you don’t need it all written down to keep up with it? I issue you this challenge. Keep track of every penny you spend for one month and I do mean every penny.
You will be shocked at what those little expenses add up to. Take the total you spent on just one unnecessary item for the month, multiply it by 12 for months in a year and multiply the result by 5 to represent 5 years.
That is how much you could have saved AND drawn interest on in just five years. That, my friend, is the very reason all of us need a budget.
If we can get control of the small expenses that really don’t matter to the overall scheme of our lives, we can enjoy financial success.
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The little things really do count. Cutting what you spend on lunch from five dollars a day to three dollars a day on every work day in a five day work week saves $10 a week… $40 a month… $480 a year… $2400 in five years….plus interest. So should you have a budget? Your damn right you should!
See what I mean… it really IS the little things and you still eat lunch everyday AND that was only one place to save money in your daily living without doing without one thing you really need. There are a lot of places to cut expenses if you look for them.
Set some specific long term and short term goals. There are no wrong answers here. If it’s important to you, then it’s important period.
If you want to be able to make a down payment on a house, start a college fund for your kids, buy a sports car, take a vacation to Aruba… anything… then that is your goal and your reason to get a handle on your financial situation now.
See you at the bank!
If you want to start working for yourself but feel you don’t have the money then you’re wrong. If you have a computer and space to put it then you have all you need. You can also start you home business and work it around your job. You can gradually commit more time as your home business grows.
If you’re tired of your job and really want to work for yourself then stop making excuses and do it.
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All it takes is time and a commitment to succeed…
By taking advantage of the affiliate marketing programs that are currently available to you on this very page, you can make money and improve your marketing skills. Remember, you can always expand into other areas and venture out totally on your own later. Right now, get marketing and get clicking.
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Author of Create Your Own Economy