Money Is Money
Money Is Money
In a previous generation, this used to be a question at your local grocery store, referring to what type of bag you wanted your groceries in. More commonly, today, it refers to what type of currency you are using to pay for the groceries! And bags cost extra!
So many of us use plastic cards today for all of our purchases! Do you ever have trouble keeping up with and recording the receipts? I do! Was it credit or debit? Can I find the date on the receipt? Can I find the dollar amount on the receipt? Have I recorded that receipt, especially the credit charges, so that, when that credit card statement arrives, and it will sooner than I want it to, I will not be surprised at what I am responsible for!
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If you have not developed that Monthly Budget, then this conversation is for you! A “Bare Bones” Monthly Budget can start out quite simply. Here are the steps!
There in front of us lay the Bills: Fashion Braces, Designer Eyeglasses, Clock Cleaning, 10 Stitches, and a Monster Charge of $3,000. A Loan Record chart lay on the table beside them. Our children were young, so we knew what we were in for – many years of staring at such bills.
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“If you measure something, you can understand it. If you understand it, you can control it, and if you can control it, you can improve it.” The same holds true in your monthly budgeting.
The reality is that it is nearly impossible to complete & follow a monthly budget without improving your overall financial position. There are several reasons for this, so I would challenge you to do this.
First, just developing a budget for yourself will raise your awareness of what you have for revenue or income sources and then also boost your cognizance of how much you are spending each month. Next, you will come to grips with the reality of one of three facts. Either you need to boost your income sources, reduce your outgoing expenditures or, thank goodness, if you have more income than expenses, you can then save some money. Of course, this is fantastic! You just need to determine where you will store or invest those extra funds each month…