--------------------
Ämne: I'm back!......
Wow, it's been some time now since, I sent you guys a mail, I had been away for some time working with my friends to start a charity organisation. The good news is that I am back. Lots of thanks to Edward for holding the fort while I was way.
Whist contemplating what my first message should be on my return, I received a call from a friend in the UK asking for tips in creating a budget. Who knows who less needs some tips with budges? Maybe you. Here are my tips for creating and maintaining a budget.
To start, take these two steps:
1. Gather together any pay stubs, bills, or receipts you need to help you figure out what you make
and what you spend every month.
2. Use a Budget Worksheet – if you don't have and can't create one, just download one online- there are tons of free templates online.
Before you start, review these tips on how to make your budget work.
Tips to make your budget work
• Keep your budget up to date. Over time, your income and your spending will change. Your
budget will need to change also.
• Keep your budget simple. Don't make it a lot of work. Estimate your spending if you don't have
all your receipts.
• Be honest and realistic. Make sure the numbers really show what you spend.
• Don't expect your budget to work out the first time that you try it. Check your numbers and
look for places where you can spend less.
• Allow for surprises. Some bill always comes along that you didn't expect.
• Reward yourself if your budget works out.
• If you are paying too much towards debt control yourself or contact a professional to help – just type "credit and debt counselling" in a search engine and you will find hundreds – choose one in area close to you
• If you are comfortable working with computers, use a spreadsheet program for your budget.
Then, when you make one change, a simple mouse click will show how your whole budget is
affected.
Remember: A budget is for saving as well as spending
If you have some money left over in your budget after you have paid the bills, start saving it. You will have the fun of deciding how to use your savings to achieve your goals. That's the power of a budget.
Regards
Albert
--------------------
Klicka på länken nedan om du vill svara på meddelandet:
http://www.facebook.com/n/?inbox%2Freadmessage.php&t=1281240512641&mid=16521faG6d82c3faG4077b5G0&bcode=4Dahy
___
Hitta personer i din Gmail-adressbok på Facebook! Besök http://www.facebook.com/find-friends/?ref=email
Det här meddelandet är avsett för ola.koenig@gmail.com. Vill du ange vilka slags e-postmeddelanden du vill få från Facebook? Gå till:
http://www.facebook.com/editaccount.php?notifications=1&mid=16521faG6d82c3faG4077b5G0
Facebooks kontor finns på 1601 S. California Ave., Palo Alto, CA 94304, USA.
No comments:
Post a Comment