Simply Essential Personal Budgeting Kit

Overview

Do you find yourself living from paycheck to paycheck? Do you worry about how you can make your next credit card payments? Even worse, do you feel helpless when you try to think about how you'll ever manage to retire at 65 (let alone "freedom 55") or do you try not to think about it at all? Most important, do you feel overwhelmed at the idea of coming up with a personal budgeting plan? If the answer is yes to any or all of these questions, this kit is for you. It's a step-by-step guide to getting yourself back on...
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Overview

Do you find yourself living from paycheck to paycheck? Do you worry about how you can make your next credit card payments? Even worse, do you feel helpless when you try to think about how you'll ever manage to retire at 65 (let alone "freedom 55") or do you try not to think about it at all? Most important, do you feel overwhelmed at the idea of coming up with a personal budgeting plan? If the answer is yes to any or all of these questions, this kit is for you. It's a step-by-step guide to getting yourself back on track financially for the rest of your life. Along with all the necessary forms, 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. The future -- your future -- is in your own hands. Have respect for money and what it can do for you. Start today, and budget your way to financial freedom! All forms are included on a 31/2" disk in MS Word and PDF formats for use with any PC.
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Product Details

  • ISBN-13: 9781551803517
  • Publisher: Self-Counsel Press, Inc.
  • Publication date: 10/28/2001
  • Series: Simply Essential Series
  • Edition description: BOOK&DISK
  • Pages: 88
  • Product dimensions: 8.20 (w) x 10.50 (h) x 0.30 (d)

Table of Contents

1 Why Budget? 1
Financial Budgeting 2
The Stress Factor 3
The Fear Factor 4
Defining Your Financial Goals 5
2 The Budget 9
Tracking Spending 9
Daily spending 10
Weekly spending 12
Yearly spending 17
Tracking Income 18
Calculating Your Net Worth 22
3 Spending Management 27
Analyzing and Revising Your Spending 27
Changing Your Lifestyle 32
4 Debt Management 35
Paying Off Your Consumer and Credit Card Debts 35
Paying Down Your Mortgage 37
Your Credit Rating 38
5 Savings Management 41
More to Savings than Savings Accounts 41
Risk/Return 43
Different Types of Investments 43
Safety investments 43
Income investments 44
Growth investments 45
Mutual funds 45
The ABCs of Retirement Savings 48
6 Financial Planning Strategies 55
Tax Planning 55
Estate Planning 56
7 Freedom to Enjoy Living 59
Tear-Out Forms
1 Financial goals worksheet 61
2 Daily spending worksheet 63
3 Weekly spending worksheet 65
4 Yearly spending worksheet 67
5 Income worksheet 69
6 Net worth worksheet 71
7 Revised spending worksheet 73
Appendixes
1 Tips on saving money 75
2 Resource guide and Web sites 81
Glossary 83
Charts
Savings chart 1 52
Savings chart 2 53
Savings chart 3 54
Samples
1 Financial goals 8
2 Daily spending 11
3 Weekly spending 14
4 Yearly spending 19
5 Income 21
6 Net worth 25
7 Revised spending 30
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