Monthly Archives: October 2011

Financial Planning & Budgeting | Have a Successful Life!

Financial Planning BudgetingIf you are reading this post, it means you recognize that you need some information. You are helping yourself and that means you don’t have to go at it alone. Congratulations. Allowing a concern to remain in your head only isolates you and the problem never gets to see the light of day. Isolation keeps the concerns alive and well … and escalating. Though, apparently, we don’t believe in conjunctions here at Financial Planning Budgeting, we do believe in good information. Here are some great websites we found that are designed to help you with your Financial Planning Budgeting needs, as well as providing tips on how to be successful, how to stay motivated and inspired, and how to keep growing and live your live fully and joyfully. And yes, your relationship with money will be affected by all this. Enjoy!

  • Success.com – Subscribe to this magazine’s newsletter to receive invaluable success tips right in your inbox. Watch videos featuring authors, inspirational speakers, financial experts and more. Watch Earl Nightingale–your life will be changed by his knowledge. Use it to live successfully. Here at Financial Planning Budgeting, we routinely watch this video and we are certain you will follow suit. Read Jillian Michaels’ Tough Love and learn how to create your own reality and stop being a victim. This is also great knowledge to apply to your finances. Also check out Dave Ramsey’s Take Control of Your Finances. Learn to plan and empower yourself. Take time to browse through this entire site and bookmark it. You will return to Success.com time and time again to learn about business, relationships, wealth, well-being and more.
  • 5DollarDinners.com – Getting a handle on your grocery bill is crucial in financial planning and budgeting. Check out this website’s detailed cooking instructions with accompanying helpful pictures. Also use the links provided to find money-saving coupons.  You can make your grocery list here and sign up for grocery giveaways. Try recipes like $5 tacos, bbq chicken pizza, and so many more. Use these recipes every night of the week. Remember to read the comments left by users for fantastic, tasty, money-saving tips from readers just like you. Print out meal planners to organize and budget your grocery shopping.
  • Patagonia.com – Ok, you are probably wondering why a website called Financial Planning Budgeting is linking to an outdoor clothing site. Well, simply, we find the story of Patagonia very inspiring and you will too. This company was founded by Yvon Chouinard–a climber and a highly successful business man featured on the cover of Fortune Magazine. If you are going to learn from the life of someone, make sure that person is going where you want to go. And if you want to do what you love, experience financial success, and practice your love for the environment while at work; then you will love Chouinard.
  • MommySavers.com – Get great tips, ideas, and resources on how to save money–this site will meet any financial planning budgeting needs you may have. Bookmark it! Connect with other frugal moms on the forum, watch videos, and find some of the best offers and deals online. The greatest thing about MommySavers is they are all about living well while being frugal. This is about having fun, not feeling a sense of lack or sacrifice. Besides, it feels great to save money! Be sure to read Mom’s Coffee Break to learn key mom information like how to release guilt, have fun, trust yourself, and stay intellectually stimulated. Also check out sections on family finances and tools and read articles on budgeting tips and more. Oh and don’t leave this site without jotting down some recipes from The Frugal Foodie.

Hope you can put these informative and helpful websites to good use in your life. Take a stroll through Financial Planning Budgeting to find more great information.

Posted in Financial Planning. Tagged with , .

Budgeting and Forecasting Software

Budgeting and forecasting software is a vital resource in planning for your company’s success. If you don’t have a good financial plan for your business, it is much more likely to fail. Here, you’ll find some helpful resources for deciding which budgeting and forecasting software is best for your company.

About.com

  • Read what the experts have to say about budgeting and forecasting software before you make a commitment.
  • Sign up for free newsletters on financial planning, debt management, small business, and much more.
  • Read Shelly’s financial software blog to make an informed decision on budgeting and forecasting software.
  • When you educate yourself on the subject of money on About.com, make sure you utilize the Getting Started, Tips & Tutorials, and Money Management tabs to get all the angles on finances.
  • Take advantage of this site’s free-printable budget spreadsheet.
  • Read great posts such as Budgeting 101 and How to Set Financial Goals.

VanguardSw.com

  • Vanguard provides several budgeting and forecasting software products, giving you many options to choose from.
  • If you are  on the fence about purchasing budgeting and forecasting software, take advantage of the free trial that Vanguard offers.

OpenOffice.org

  • Open Office is totally free in all aspects of the word.
  • Download OpenOffice now to use for education establishments, businesses, government establishments, not for profits, IT businesses, for personal use, and so much more.
  • Your new free software includes word processing, spreadsheets, presentations, graphics, databases, and more–just take a look.
  • OpenOffice.org is the perfect free place to build your own budgeting and forecasting software.

Quicken.intuit.com

  • Learn basic money managment and watch how-to videos.
  • Check out Personal Budgeting: Build Your Budget and inform yourself with straight to the point definitions of terms like in Forecasting vs Budgeting.
  • Set goals and save, invest and track growth, and get support.  Browse products to find what budgeting and forecasting software is best for you.
  • Read the blog for helpful money information and join the forums to get in on the financial community.

These are some great websites to educate yourself about budgeting and forecasting software and some of them enable you to create your own.  If you are serious about saving money and taking control of your finances, being informed about any software you purchase is important.  Every dollar counts, so try to control any impulse buys concerning software.

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Financial Advice From Successful People

Sometimes we need some inspiration to get back on track. Here are some great quotes from people who want you to experience your own greatness:

Wayne Dyer, PH.D., Author of The Power of Intention
In an interview with Ray Hemachandra, Wayne Dyer said:

“Money always has come to me, because I always have seen myself as endlessly abundant.”

Dyer goes on to say:
When Francis of Assisi was looking for peace, he didn’t say, “Please give me some peace. I don’t have any peace. I’ve got to have peace.” What he said was, “Make me an instrument of thy peace.” What I say to my source, what I say to God, always is, “Make me an instrument of the abundance that I came from, make me an instrument of thy well-being, and make me an instrument of thy love.” I don’t go to the  the source and ask for money, any more than Francis went to the source and asked for peace.

Continue reading

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Financial Worksheet | Regain Control of Your Finances

First things first, write it down! If you want to create a life where you are conscious of what is taking place, you have to write it down. This gives you a clear vision, making it easy to regain control.  Whether you prefer pen and paper or budgeting and forecasting software, you will need budgeting skills and a basic knowledge of how to fully utilize a financial worksheet.  Here are a few of the best online resources (researched by us, for you) that will give you the information you need to have a successful financial life …

  • SmartMoney.com – This website offers way more than just a financial worksheet … and they offer all different types of those too.  From the net interest calculator financial worksheet to the asset allocation system for retirees to short-term investing and everything in between, you are sure to find what you need to calculate your current financial situation as well as your future finances. Also, while you’re visiting SmartMoney, read informative budgeting articles like 10 Things Cellphone Services Won’t Say and A Happier Happy Hour for Your Wallet. And with constant updates, you’ll be a financial wizard in no time.  Bookmark this site!
  • Kiplinger.com – Need information, tips, advice, and resources for you or your business? Well, this is the website for you. Use the home budget financial worksheet to manage your living costs and get ahead of the game.  The worksheet is free and easy to use.  Take advantage of other useful tools like the tax withholding calculator, the money guide for military families, tax planning guide, and so much more. Take time to browse the site to find sections that peak your interest, you won’t be sorry for gaining any knowledge from Kiplinger.  Become a member of the forums–a financial community for you to discuss ideas and ask questions.  For those of you new to the financial world, check out the Getting Started Forum.
  • Sheconomics.com – Women of the world, take control of your finances at Sheconomics–made for women by women! Buy the book and use the website as a great online resource, remember to bookmark it.  Enjoy free downloads that include tip sheets (like The 7 Laws of Sheconomics and How to Have a Positive Money Mindset), logs, and worksheets. Use the monthly income and spending worksheet or the spending and payment plan (or a number of other great tools) as your financial worksheet. Visit the blog to gain much-needed knowledge with posts like Don’t Make an Issue Out of Giving. Enjoy your new and improved financial life, ladies! You will love Sheconomics, no doubt about it!
  • MyMoney.gov – The Federal Government’s website dedicated to helping Americans learn more about their money-how to save it, invest it, and manage it to meet their personal goals. Find out here how to budget your money according to life events such as losing a job, getting married, or planning for retirement. Be sure to read informative articles like New Employee Saving Tips-Time is on Your Side. Check out resources for youth, military members, teachers, women, and more. Use tools like calculators and checklists.  Find a financial worksheet that will work perfectly for you here too. Print out all the available resources for free and share it with those in your life.

Now that you have all these great online resources at your fingertips, you are certainly excited about your financial future.  So, get out your financial worksheet and have fun taking control of the money you make.  Your money is meant to enhance your life, and you deserve to learn how to allow just that to happen!

Posted in Financial Success. Tagged with .

3 Personal Finance Books that Will Change Your Life For Good!

What Personal Finance Books Won’t Do For You:

Ok, when you hear the phrase personal finance books, your mind probably adds a few words of its own to that phrase. Does tedious, boring, and incomprehensible sound about right to you?

Well, for once, rejoice in the fact that you are wrong. Personal finance books are just that, personal! It is human nature to find interest in a subject that is personal to you. And what is more personal than money and your relationship to it? Money affects nearly every aspect of your life in one way or another (you can’t buy food without it, you can’t go to the doctor without it, and you can’t buy that special treat for yourself without it either).

So what won’t personal finance books do for you? They won’t bore you to tears with information that is of no consequence to you. The information they give applies to your life.

What Personal Finance Books Will Do For You:

They will wake you up. They will inspire you to take action. They will give you the simple tools you need to change your life, now!

Personal finance books will change how you live your life. It sounds like an outlandish claim, but it is not. It is as simple as this: it is not how much money you earn that makes a difference, it is what you do with the money you earn that makes the difference. Control your finances and control your life. Let these fabulous personal finance books help you realize your best financial life possible. . .

  • Think and Grow Rich–This personal finance book by Napoleon Hill is in the public domain, so download it off the internet for free! How’s that for immediate savings and results?  This personal finance book will teach you how to change your mind and your income, in fact, you might find some of the invaluable information helpful to other aspects of your life as well.
  • Any Book By Jean Chatzky–If you don’t know who she is, take the time to read About Jean on her blog.  This is a financial expert who really knows how to break it down for those of us who just are not as gifted.  Once you read Jean Chatzky’s blog or her books, you will begin to truly care about your financial well-being.  She has many books to choose from, so take your pick.   Money 911, The Ten Commandments of Financial Happiness, and Make Money, Not Excuses are just a few you can select from.
  • Jim Rohn–A business philosopher whose advice is inspiring, motivating, and practical.  At JimRohn.com, you don’t need to be a business person to benefit from the wealth of information.  Jim Rohn is a huge supporter of reading and suggests many personal growth books that will lead you to your own personal success–whatever that might be.  Take what you learn here and apply it to your financial life, you will thank yourself.  Check out this list of personal finance books at Jim Rohn’s website.  There are more than enough suggestions there to keep you reading and growing for years to come. Also, take some time to read his brilliant and highly useful articles on Success.com.

The Most Important Information You Could Ever Share with Your Children:

Now that you have empowered yourself with personal finance books, it is time to share the wealth.

What is the best gift you can give to your kids? The tools to live their life well.

They need to learn to trust themselves and know that they can make good decisions.  To ensure that they do, learn how to Teach Your Kids About Money here.

Posted in Budgeting Know-How. Tagged with .

NO! NO! Bad Budget!


Photo Credit: Lara604

After listening to Tara Siegel Bernard (Of NYTimes.com) on Public Radio’s Marketplace speak about finances, I realized I was right on track with letting go of my tight-ass budget.

Bernard suggests not setting up a budget. I, of course, have set up many budgets for myself. I start strict. I aim for perfection and, then, when I inevitably fail, I chastise myself and resolve to start anew again … perfectly. And so the cycle continues (you know, because I’m not perfect).

Bernard says you have to allow for fun and a budget typically does not factor fun in. This is the exact trap I often fall in. I give myself about $20 a month for leisure and envision myself sitting on my cozy couch, wrapped up in a blanket, drinking herbal tea, and reading a book from the library. No need for any more than 20 bucks a month to cover that!

But then, just as Bernard predicts, when I do go out, I go full-out! Because I have starved myself, I buy appetizer, dinner, dessert and a bottle of wine. I purchase 4 shirts instead of just the one. I pay for the friend who can’t afford to go out because I MUST GO OUT!

Well, after a few months of the perfection and failure tennis match, I relax a little with the extreme budgeting. I set-up some basic boundaries. I know all the important places money has to find its way to and I make sure it gets there. And I have some fun.

I stop sitting down at the computer to analyze every penny and every expense. I don’t expect perfection. I live my life and everything still gets paid on time and money still goes into savings as well as in my pocket. Life does seem to run a little smoother without the strict budget that requires nothing less than perfection (i.e. deprivation).

Though I did have a set-back when I noticed I wasn’t micromanaging my budget spreadsheet, and I panicked. I thought, Oh my gosh, I’ve completely failed. I’m back to my old ways of financial irresponsibility. When will I ever change?!?!

All the while, my finances were in order and I was enjoying my life. I made the act of typing out my financial numbers (the budget!) more important than my actual real-life relationship with money. Which was/is very good and getting better as time goes on.

Be sure to check out the articles I linked to. You will find a lot of useful information. And if you do, come back here and leave a comment. We would love to hear about you and your relationship with money.

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