Live Freely Within Budget: Avoid These Problems

Live Freely Within Budget: Avoid These Problems

This is the fifth article in a six-part series in which we walked you through, in a very detailed way, how to prepare a budget. As a reminder, so far we covered the following: Why do you need a budget What information you need to gather How to use a spreadsheet to project income and expenses for 12 months How to create your budget using our 33/33/33 approach If you’ve worked through the articles you should

Visualize Your Expenses

Visualize Your Expenses

We hope you’ve read though and applied the advice we provided in The Budgeting Series. In that series of articles, we walked you through in a very detailed way how to prepare a budget. As a reminder, we covered the following: Why do you need a budget How to gather your information How to use a spreadsheet to project income and expenses for 12 months How to create your budget using our 33/33/33 approach Pitfalls

Reduce Expenses By Making Lifestyle Choices

Reduce Expenses By Making Lifestyle Choices

We have the most fun when we write this section. Why? Because we think it could significantly improve the amount most people can save. The reality for most of us is our income is relatively fixed. If you earn a monthly salary, well that’s it. Unless you are promoted, get a salary increase, or find a better paying job, your income is relatively fixed. You don’t automatically earn more by working more – but this could be

Creating Your Budget (33/33/33)

Creating Your Budget (33/33/33)

This is the fourth in a series of six articles in which we cover how to create a budget. The previous post Use Cari$ Budget to Pull Everything Together covered how to use a spreadsheet to enter the data you’ve gathered, as well as projecting for twelve months. Here, we show you how to take the next crucial step. If you’ve pulled together all of your income and expenses for a twelve month period, congrats! You have made considerable progress towards

Use Cari$ Budget to Pull Everything Together

Use Cari$ Budget to Pull Everything Together

This is the third of six articles in which we cover how to create a budget. The previous post, Gather Data for Your Budget covered what information you’ll need to have on hand, and now we’ll show you how to use the data. Ok, so you’ve been good and gathered a couple months of data; now let’s use that to get the 12-month picture we explained before. Check out the Tools section; you’ll notice we’re using Excel (i.e. a type of

Gather Data for Your Budget

Gather Data for Your Budget

This is the second of six articles in which we cover how to create a budget. The first post, Is a Budget Necessary? covered why a budget is important. We hope you’ve bought into the idea and now you’re willing to try to put a budget together.  So what’s next? The simple answer is you need to gather a lot of data about yourself. The easy part: how much do you earn? If you receive a salary slip, gather

Is a Budget Necessary?

Is a Budget Necessary?

This is the first in a series of six articles that cover how to create a budget. Many people find doing a budget to be a difficult task, but in this series, we walk you through the process in a very detailed way. Just follow each step and by the end you’ll have your budget up and running and be on the road to financial freedom! Before getting to the question is it necessary, let’s

Page 1 of 11