![]() The good news is you can find a free budgeting template online that saves you a lot of time. While you could learn how to make a budget in Excel or Google Sheets, you need to know how either of these software programs works.Īnd you need a considerable amount of time to build your template. The best and easiest option is a budgeting spreadsheet. When it comes to your money, your foundation is your budget.īy creating and following a budget, you know where your money is going and have more control over it. ![]() This makes sense since these are the more exciting aspects of money.īut to build wealth, you need to focus on the foundation first. Most people answer this question by talking about investing or how to make extra money on the side. When it comes to improving your finances, where do you start? How Much Money Do You Need For Retirement.7 Investing Steps That Will Make You Wealthy.Free Build Wealth Boot Camp Email Course.Do I need to be able to pay a whole mortgage plus set aside half of the next one? The smaller bills are easier to do, but we have a mortgage and a rent so that’s a lot to have to set aside on top of the one due. Hi! I am trying to do this “budget” thing a little better than I have before, so I followed your guide and I have everything figured out amount-wise (just averages for the envelope system to try out, but I’m keeping track of every expense and will be able to personalize it better once we’ve kept track for one month), but how do I start implementing the half a bill per paycheck? Obviously different bills are due each pay period and we don’t have a ton of extra money to set aside (thus the budget lol) so how do I start splitting them up? In theory it would make things MUCH more simple and we wouldn’t be house-poor at the first of every month, but I can’t seem to figure out how to do that. Should we just be trying to spend cash as much as possible instead of using our debit card? No matter how many times I sit down and do something like this, I just can’t seem to keep it all straight! Your tutorial has been very, very helpful, so here’s hoping, but I guess I still feel a little overwhelmed. Should I be putting a new budget together for each tabbed month? What I find so frustrating when ever I work on these types of projects, I see that there should be plenty of money left over each month, on paper anyway, but in reality we always end up short. I’m probably missing something very obvious! First of all, once you figure out your annual expenses and your monthly expenses, and tally all of that up, that is pretty much your monthly budget right? I’ve gotten a bit lost at this point and am unclear about the monthly tabs we put into the binder. I waited until today to do all five steps, so I’m a bit spaced out right now, so forgive the questions. ![]() THANK YOU, THANK YOU, THANK YOU for all that you do, having this AMAZING website, for helping the everyday people have guidance on how to get our act together. I even went out in the SNOW (yes, welcome to KS in MAY!) to get my budget binder so I could get on track. ![]() Then when I saw you had a Pinterest account too, I wanted to call out sick from work so I could daydream and read your blog since the inception date and look at all your boards. I actually found you through ETSY looking for a cash envelope system and have been doign cartwheels ever since. I have been scrambling to catch up on the budgeting series. You are one stop shopping for all things INSPIRATIONAL. You have not only motivated me, but my niece and daughter to want to become better budgeters, cleaners, and organizers. Oh how I wish I could give you a great big hug and take you out for a Latte! (I hope you like coffee!) Your website is **FANSTASTIC** and I nominate you for WOMAN OF THE YEAR! Thank you so much for sharing all of your incredible wisdom and creating this site.
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