What is the #1 rule of being thrifty? Knowing how much money you have.
How do we do this? Budget. Welcome to life on a Smart Budget!
I have been budgeting for as long as I can remember; there is something that appeals to me about having control over my money. Being care-free is generally a good way to look at life, but not when it comes to your finances. Planning is a proactive and positive way to avoid stress and a bank account in overdraft. And although it may be funny to say, no one actually wants to be broke…
I have created a budgeting plan so simple anyone can do it, yes, that means you! So give it a try. Use this as a plan for your upcoming month, and after the month is through, keep it to review where you may have gone astray the previous month. By tracking where you were successful and where you have come up a little short, you can make the necessary changes to your budget or spending habits. Budgeting takes time and a few trials to get right, so stay on track! I have made it as simple to use as possible while still being effective and including basic expenses. Using this link, Smart Budget, you will be able to open your own printer friendly version of this budget as a Word document, or click on the page below to see it as a web document!
Financial freedom is on everyone’s wishlist, so let’s make it happen! Having emergency savings is very important for the well-being of you and your family; and who knows, maybe you can throw a little bit of your left over cash into a vacation fund and become a Thrifty Traveler! Budgets turn dreams into goals one month at a time.
Stay smart, and happy budgeting!