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Budget. It’s a word we hear often and one that some of us try to avoid. Creating a budget is essential in gaining hold of finances. One thing to keep in mind is that a budget is ever changing. As our lives change, accidents happen, emergencies come about, raises occur and so on, our budgets should be adjusted too. It can be frustrating to create a budget only to have it bust from an unplanned event. To help you plan, here are some of the biggest budget busters: (more…)

When it comes to personal finance nothing feels more daunting than making a budget. Whether it is the numbers, the fact that it is money or the honest look at what you are actually spending, most people cringe at the thought of making one. However, a budget isn't all that difficult. It's a matter of repeatedly doing addition and subtraction until the end result is zero. (more…)

What’s the second worst “B” word? Budget. Most people equate the word “budget” with something awful - like deprivation. No one is ever excited about budgeting, because it always means you don’t have enough of something. And not having enough, well who likes that? When you set out to budget, few people think of that as reallocating their resources. Rather, they think of it as cutting back. (more…)

Being a personal finance blogger, I can easily say I’m obsessed with budgeting. Not only do I re-assess my finances once a month to see if I have acquired any new expenses, I also sit down every two weeks and make a bi-weekly budget to make sure all of my fixed expenses are paid. I have money put aside for my variable expenses and I can try to make some headway on financial goals I have for myself. I know not everyone does this but what blows my mind even more is when people ask me why they should have a budget. I remember my pre-blogger days like they were yesterday and I can easily tell you why you need one. (more…)

How are you handling your 2012 resolution to manage your money more effectively? Is your budget still a factor? Is your savings increasing while your debt is decreasing? While some people still prefer the good old fashion way to manage their money, which included hand written ledgers and paper statements, many of us are moving towards a paperless approach, keeping everything accessible online or via the cloud. Online banking is one way to help, but how about how to see your net income, achieve savings goals, and have budgets for specific categories? These money management programs have been tried and proven to help you keep your money where you need it: (more…)