It is never to late to start budgeting in 2015!

Today I will let you in on a huge secret  “budgeting works”!

Yes I said it  “budgeting works”!

“budgeting works”!

“budgeting works”!

“budgeting works”!

“budgeting works”!

“budgeting works”!

“budgeting works”!

“budgeting works”!

Learning to Budget will revolutionize you life!

I am a women who loves anything and everything if I had a choice I would live in the mall.

So when I tell you this I am letting you know I am like you.

I am not one of those women who hates shopping, nail salons, hairdressers, massages, facials, perfume, and clothes.

I love it ALL!

I don’t think their should be a limit to how many lipsticks you own, purses or shoes.

I love it all!

I love everything ask my husband!

I enjoy having coffee out!

I love shopping!

I love Target!

I love vacations and adventures ;however, I love my family and myself more.

When you become a grown up you have to make better choices that benefit your family and yourself.

So when I say to you ” Budgeting will revolutionize you life” it will!

Budgeting to a lot of us has a negative meaning. We associate Budgeting with being stingy, cheap, boring, old, lame, obsessed, nagging, controlling, and many other terms we don’t want to be associated with. This is true I felt that way until I educated myself and understood the real meaning of budgeting.Budgeting as defined by http://www.dictionary.com is an itemized summary of expected income and expenditure.In lame mans term what you make minus what you plan to spend.

Budgeting 101

Don’t get hung up on the forms you have to use, applications, books, websites, or apps!

Grab a pen or pencil and start writing!

Perfect time to use all those cute pens and paper you like to buy =)

If you love Target like I do you have some on hand and if you don’t grab what you have!

First thing you need to know when budgeting and the hardest is how much you spend every month and what you bring home.

Grab a pen or pencil and start writing!

How much income do you make?

I keep it simple how much do you bring home.

The amount that gets direct deposit into your account.

The amount that you get a check for on payday.

All the money that you have access to on a monthly basis.

The money you make after taxes and insurance.

The money after all your deductions.

I repeat this is not what you make a year but what you bring home after all your deductions.

This is what gets deposited into your account that you have access to!

Many of us mistake what we get paid a year with what we bring home. You have to be clear on this number in order for your budget to work.

You do this for you if your single and don’t share finances.

If you have a husband or partner you live with you need to have the amount of money they make to add to your budget.

This is a vital and important step in the budgeting process.

You add yours if your alone and if you have a partner add yours and theirs together and come up with line one Income.

The hardest step in Budgeting is going through your bills and making a list of what you spend monthly.

Home

Home Insurance-renters insurance

Electricity

Water

Cable

Internet

Car Note

Ext…..

Go through your credit cards.

Go through your mail

Go through your email

Go through your PayPal

Go through your Bank Statements

You need to be clear on this! You need to see what and where your money goes every month.

Once you get a clear picture of this you can begin to budget.

This is the most difficult step and the most eye opening.

The income is suppose to be higher than the outcome if you find that it is not don’t worry you can fix it!

Budgeting 101

————Don’t get hung up on the forms you have to use, applications, books, websites, or apps!

————Figure out how much money you have to work with.

Grab a pen or pencil and start writing!

———– Figure out how much you spend every month on fixed expenses and regular expenses

This step is frustrating and not fun at all but you have to do in order to move forward!

You can do it! If I can do it even a monkey can do it =)

The goal is to learn and grow

You can do this !

This is the hardest step in budgeting I suggest you do this today.

Check in for step Two in Budgeting 101

Once you Budget you will never go back!

Dare to be different today than you were yesterday.

You have nothing to loose and everything to gain!

Choose to be a profitable today and always.

Thank you for viewing my Blog and “Keep IT Cake Popping”