Personal Budgeting Kit

Overview

Take control of your finances!

Understand where your cash goes and how you can keep more of it

Learn to trim spending painlessly

Discover how to set realistic financial goals — and achieve them

Do you find yourself living from paycheck-to-paycheck? Do you wonder why you make a good living and yet have no money left at the end of the month? Do you feel helpless when you try to...

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Overview

Take control of your finances!

Understand where your cash goes and how you can keep more of it

Learn to trim spending painlessly

Discover how to set realistic financial goals — and achieve them

Do you find yourself living from paycheck-to-paycheck? Do you wonder why you make a good living and yet have no money left at the end of the month? Do you feel helpless when you try to think about planning for your financial future? Most important, do you feel overwhelmed at the idea of coming up with a personal budgeting plan? If the answer to any or all of these questions is yes, this kit is for you. It’s a step-by-step guide to help you organize your finances and stay on track financially for the rest of your life. Along with all the necessary forms and spreadsheets, it contains tips and information to help you create a workable personal budget. It simplifies the budgeting process, making it easy for you to create a solid, realistic plan. You will learn how to do the following:

Set realistic financial goals

Trim your spending painlessly

Pay down your debt methodically

Save and invest

Develop a retirement savings strategy

Make an estate plan

Make over your lifestyle for a successful and stress-free future

Start today, and budget your way to financial freedom! The future (your future!) is in your own hands. Have respect for money and what it can do for you. This book includes a Windows CD-ROM for use with your Windows-based PC. All checklists, samples, and worksheets are on the CD-ROM in MS Word or MS Excel formats, as well as Acrobat PDF. This allows you to print out as many forms as needed, or even adapt them to your personal needs! The CD also contains a a bonus Business Budget Planner and a collection of resources and “further reading” information.

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Product Details

  • ISBN-13: 9781551806549
  • Publisher: Self-Counsel Press, Inc.
  • Publication date: 11/28/2005
  • Series: Self-Counsel Reference Series
  • Edition description: 2nd Edition
  • Edition number: 2
  • Pages: 112
  • Sales rank: 1,513,915
  • Product dimensions: 6.07 (w) x 9.13 (h) x 0.23 (d)

Meet the Author

Sylvia Lim is also the author of Finances After 55, also from Self-Counsel Press. She is a certified financial planner and certified general accountant. She is also a popular workshop speaker in the business community.

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Table of Contents

1 WHY BUDGET? 1
Financial Budgeting 2
The Stress Factor 3
The Fear Factor 4
Defining Your Financial Goals 7
2 THE BUDGET 13
Tracking Spending 13
Daily spending 14
Weekly spending 18
Yearly spending 25
Tracking Income 27
Calculating Your Net Worth 31
3 SPENDING MANAGEMENT 39
Analyzing and Revising Your Spending 39
Changing Your Lifestyle 47
CONTENTS
iii
4 DEBT MANAGEMENT 51
Paying Off Your Consumer and Credit Card Debts 51
Paying Down Your Mortgage 54
Your Credit Report 56
5 SAVINGS MANAGEMENT 59
More to Savings than Savings Accounts 59
Risk/Return 61
Different Types of Investments 61
Safety investments 62
Income investments 62
Growth investments 63
Mutual funds 64
Real estate investment 66
The ABCs of Retirement Savings 68
6 FINANCIAL PLANNING STRATEGIES 73
Tax Planning 73
Estate Planning 74
7 FREEDOM TO ENJOY LIVING 79
APPENDIX 1 —SAVINGS CHARTS 81
Savings Chart 1 82
Savings Chart 2 84
Savings Chart 3 86
Savings Chart 4 88
APPENDIX 2 — TIPS ON SAVING MONEY 91
GLOSSARY 101
SAMPLES
1 Financial Goals Worksheet 10
iv Personal Budgeting Kit
2 Daily Spending Worksheet 16
3 Weekly Spending Worksheet 20
4 Yearly Spending Worksheet 28
5 Income Worksheet 32
6 Net Worth Worksheet 36
7 Revised Spending Worksheet 42
TABLE
1 Mortgage Savings 54
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