Budgeting for a Brilliant Life: How a Budget Adds Value to Your Money …

… Without Having to Increase Your Income

Why Budget? For one simple reason: we all deserve a quality life.

What does budgeting have to do with a quality life? More than you would initially think. Consider this typical scenerio:

You work hard everyday but you never have enough money for extravagant things like vacations, cars, etc. So, you spend your money on little things here and there as a little pick-me-up. Every morning you buy a donut and coffee, it’s not much but your feel a little better for a moment. You eat out a lot because maybe you can’t afford that vacation in Hawaii, but you can afford to get a cheeseburger when you want one. On the weekends you go to the movies and out to the pub for some beer.

By the end of of your pay period, you are nearly broke. If you just make it a few more days until payday, you will be fine. But you need gas, or you need an oil change. Perhaps you get sick and you need to get some over-the-counter medicine. You rarely go grocery shopping so you need food to last until you get paid. So, you pull out the credit card and promise yourself you will not use it again and that you will pay off the purchases once you get paid. But when you do get paid, you feel empty and want to enjoy the money you work so hard for. So, you eat out, go to the pub, buy a new toy, etc. And the cycle continues.

This above scenerio is how a lot of people live. There is not much quality to this kind of lifestyle.

When You Don’t Budget:

  • You feel overwhelmed by money
  • You believe that your main goal is too make sure everyone else gets paid first (bills, debt, etc)
  • You have a very limited control over how your life is spent
  • You feel stuck
  • You fear the future because you can’t financially afford emergencies
  • You are blinded to the fact that you have an enormous amount of power over your own life
  • You become resentful of other people who have created a healthy relationship with money and use it to truly enhance their lives (not through cheeseburgers, beers, toys, etc)

Budgeting is Life Changing. When You stick to a budget you:

  • Take responsibility for your life–the best self esteem builder available!
  • Realize your own importance and include yourself by paying yourself
  • Value yourself enough to value your money–therefore only spending money on items truly worthy of you
  • Become the Captain of your life’s course
  • Allow your money to work for you and enhance your state of being
  • Regularly succeed in accomplishing goals

Do not underestimate the power of budgeting! There are many ways to budget and they are all simple. Budgeting is a way of life, but it is not time consuming. Budgeting is not about sacrifice or lack, it is 100% about you living a fabulous life.

Budgeting is an adventure. You will constantly discover money you never thought you had. Your frivilous days will be over and you will learn to be pro-active in your own life. No more waiting for the lottery or just resigning to life of unfullfilled dreams. If you want to go to Hawaii, you will budget for it. If you want a new car, you will budget for it. All you have to do is take action. It is literally as simple as writing numbers on a piece of paper as a routine. This is action. Reading this is taking action.

Read through our Budgeting Articles to find tips and tools on how to budget.

Remember: It is not how much you make but how much you value the money you do make.

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Home Budget Software | Put Real Value in Your Money

Ready to realize you have more than enough money for a satisfying life? Well, the way to do that is to make a budget and live by it.

What is the Secret to Living On a Budget? Perspective. Lets say you have $20. Now, supply and demand places a value on money, but so do you. If you see an item you would like to purchase–an item that doesn’t enhance your life–and you purchase it because “it is only $20”,  you are not placing value on your money. In a short time that product will be used up, discarded, or forgotten about.

So, what is your perspective on money? That is is not important and does nothing for you . . . you can throw it away on items that don’t matter.

There’s plenty of online resources out there when it comes to financial planning as well as home budget software and, here at Financial Planning & Budgeting, we want to help you save time by doing the research for you.  Here are some great websites that are going to help you educate yourself on how to use home budget software and where to find the best home budget software products.

YouNeedABudget.com

This is a great website that you will want to bookmark.  Register for free to YNAB for live online classes such as Beginner Budget Workshop, Account Management, and more. Watch informative videos and learn how home budget software will help you achieve your goals.  The 4 rules of budgeting given at YNAB will change how you manage your money forever.  Also, if you are not sure if you want to purchase the home budget software offered, just try it for free with the free trial.  Be sure to take some time to watch the video tutorials and read the blog.  Some great reads include A New Lease on Life with a Tweak to your Cash Flow and How to Manage your Money Wisely: Better Software Makes it Worse

Mint.com

Use Mint.com as your home budget software (and so much more) for free! Mint gives you a complete picture of your finances–both a sobering and empowering action to take for your financial life.  See exactly where every penny goes and become aware of how and where you misuse your money. Mint.com will even send you a text or email when you have gone over your budget.  This home budget software website also wants you to be in control of your credit cards and will help you find ones that will save you money.  Here, you will set financial goals and stick to them.  Just enter your data–your account is kept anonymous.  Are you interested in learning more about investing?  Well, Mint wants to teach you. Educate yourself by reading the blog (topics include savings, trends, retirement, housing, and more). One great post is 9 Ways to Reduce Your Monthly Grocery Bill . Check out any articles featured in the Frugal Living and Becoming Wealthy sections of the blog if you are interested in reading more informative posts. Also, keep all your finances in one place with the home budget software, let Mint create a personal budget for you, get your taxes in order,  and use the free online management tool (check out calculators as well as video tutorials).

OpenOffice.org

Use Openoffice spreadsheets to build your own home budget software. You will save money here because OpenOffice is free! Yes, totally free in all aspects of the word. Download OpenOffice now to use for education establishments, businesses, government establishments, not for profits, IT businesses,  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 home budget software.  Now get to it!

Quicken.intuit.com

This website has loads to offer.  Learn basic money management and watch how-to videos.  This place has lots of great tips and tons of great reads too. Check out Personal Budgeting: Build Your Budget and inform yourself with straight to the point definitions of terms like in Forecasting vs Budgeting. With Quicken, you can set goals and save, invest and track growth, and get support.  Browse products to find which home budget software is best for you.  From personal finance to home business and rental property to health care management and more, you will find yourself well-informed on software options after a visit to this site.

ThreeJars.com

Money will always be apart of everyone’s life.  Finance is an unavoidable factor, so the sooner a person learns about finances and how to budget with products like home budget software, the better! ThreeJars is committed to teaching the youth how to be responsible with money.  Here they learn how to save and spend money wisely.  Take advantage of the free trial to make sure ThreeJars is the money-teaching tool for you and your kids.  This website is not an actual bank, but acts like an online bank for children. With the use of this software, young people can see the value of saving money and watch their interest grow.  With parental approval, kids also learn how to spend money, give money, and earn money.

Now that you have plenty of resources at your fingertips, finding and correctly using home budget software will be a breeze.

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Budgeting Worksheets | Respect Yourself Enough to Respect Your Money

Is it finally time to take a good look at what is really going on? Good! You’re in for a treat. What you were trying to avoid isn’t real because the act of avoiding is what made it all so unbearable and hard. Now that you are willing to look at the truth of your finances, you can give yourself a good life. Using budgeting worksheets will give you information and that is exactly what you need. You need to see your life on paper and calmly change it through healthy thoughts and informed actions. Take a look and see if you are being wasteful. If you are, you are not valuing yourself. Begin to treat yourself well and respect yourself enough to respect your money. Respect is shown. Prove to yourself that you are of value and save you money as well as invest it only in things worthy of you. Budgeting worksheets will allow you to see your money grow, and that is a fantastic feeling!

Here are some fabulous websites that not only provide free, printable budgeting worksheets, but also offer invaluable financial news, advice, tips and more. Enjoy …

  • Mint.com – Mint.com is an invaluable resource, and its free! Mint gives you a complete picture of your finances–both a sobering and empowering action to take for your financial life.  See exactly where every penny goes and become aware of how and where you misuse your money. Mint.com will even send you a text or email when you have gone over your budget.  Use this software as your budgeting worksheets. This website wants you to be in control of your credit cards and will help you find ones that will save you money.  Here, you will set financial goals and stick to them.  Just enter your data–your account is kept anonymous.  Are you interested in learning more about investing?  Well, Mint wants to teach you. Educate yourself by reading the blog (topics include savings, trends, retirement, housing, and more). One informative and valuable post is 9 Ways to Reduce Your Monthly Grocery Bill. Check out any articles featured in the Frugal Living and Becoming Wealthy sections of the blog if you are interested in reading more informative posts. Also, keep all your finances in one place with budgeting worksheets, let Mint create a personal budget for you, get your taxes in order,  and use the free online management tool (check out calculators as well as video tutorials).
  • SmartMoney.com – This website offers way more than just budgeting worksheets. . .and they offer all different types of those too.  From the net interest calculator budgeting 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 will be a financial wizard in no time. Bookmark this site. And remember to put those budgeting worksheets to use!
  • 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 budgeting worksheets 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 some great resources and know how to fully utilize budgeting worksheets, apply this great new knowledge to you life. You will enjoy the improvement.

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Home Budgeting | Expand Your World

Do you have a sick feeling every time the subject of money comes up? Are you living paycheck to paycheck? Do you feel discouraged, stuck, and unsuccessful? Do you need to build some good old-fashioned self-esteem and keep your word to yourself?  Is is time to realize your own value and know that you deserve your money to work for you?  Well, then home budgeting is going to be life changing for you.  Don’t underestimate its power.  Coming up with a financial plan is a simple way to drastically change the quality of your life. At Financial Planning Budgeting, we took the time to do some online resource research for you.  Use these sites to begin your home budgeting program. . .

  • CouponMom.com – Home budgeting is not just about a plan written on a piece of paper showing how much money goes where.  It also includes taking action to save money.  Coupons are a simple way to do just that.  CouponMom claims she can cut your grocery bills in half, and with a little planning, you certainly can.  She teaches you how to shop strategically and she shows you where to find the best deals and coupons.  Watch her show to learn from real-life grocery shopping situations (you’ll love the organic shopping episode where CouponMom lowers a grocery bill from a bit over 90 bucks to just under 14 dollars!).  Also, take a moment to become a member of the forums to join in on money-saving conversations with people just like you.
  • WalletPop.com – Powered by AOL Finance, Wallet Pop is the perfect website to find up-to-date home budgeting tips as well as crucial financial information. Educate yourself on home budgeting by reading budget articles or take the hands-on approach and use the free Wallet Pop finance calculators. These are not your standard calculators.  You can use them to help you budget in a new car or early retirement. You can even estimate the cost of raising a child.  Use them specifically for your home budgeting program to see exactly how much you are spending and where you spend it the most.  For a complete picture of your finances; use the results, graph, and table features on the home budgeting calculators.
  • Tip’d.com</a> – “A community for financial news, ideas, and tips.”  Use the personal finance news, ides, and tips provided at Tip’d to revolutionize your home budgeting system.  Read the articles or watch videos. Remember, Tip’d is a social media platform–so it’s interactive! Get out of your isolated financial world. Community is a key factor in growth, and you are not going to change your finances by dealing with it alone (you and your thoughts are what got you into this mess in the first place). So register and “tip” articles you enjoy. Also, if you have something to give,  submit stories of your own. Tip’d is also a great way to discover other informative finance websites that will help you develop home budgeting techniques and ideas that will last you a lifetime.

Now that you have valuable home budgeting resources within your reach, use them.  It is important not to underestimate the importance of learning new skills.  If your financial situation is not working for you, take action. Reading and educating yourself is taking action.  If you want something different, you have to think something different and then do something different. How you think matters. So broaden what you know and your world will expand.

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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.

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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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