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The First Step to Achieving Your Financial Goals

What is budgeting?
Budgeting is a process for tracking, planning, and controlling the inflow and outflow of income. It is a process that we all begin soon after we get our first spending money. Relying on our overloaded minds to manage such a complex process has many shortcomings. The solution is to analyze your current situation, determine your goals, and develop a written plan against which you'll measure your progress.

How does the budgeting process work?
The budgeting process begins with gathering the data that makes up your financial history. Next, you use this information to do a cash flow analysis. You will calculate your net cash flow, which tells you whether cash is coming in faster than it's going out, or vice versa. Then you will determine your net worth. Simply stated, this is the sum of everything you currently own less the sum of everything you currently owe. Having a snapshot of your present financial situation, you'll then define your financial objectives and create a spending plan to achieve them. Finally, you will periodically check your progress against the plan and make adjustments as needed.

Analyzing cash flow is little more than adding and subtracting. Add up your income, then your expenses, and subtract the latter from the former. The result is your net cash flow. If it is positive (hopefully), you're earning more than you're spending. If not, then budgeting is not really an optional process. You must do it to avoid losing more ground financially. To the extent that you can make cash flow strongly positive, you will be able to save for upcoming needs and investments.

Is net worth growing or declining?

Your net worth shouldn't be a mystery. To determine what it is, you simply add up the current value of your assets (the things you currently own), and then subtract the total of your liabilities (what you currently owe). The idea, if you haven't guessed it, is that your net worth should grow from year to year, barring unforeseen setbacks.

Know where you stand, turn to the future, and set your goals.
You might have one or more major savings needs goals in mind, but now is the time to look at all your anticipated financial needs, including your cash reserve, and determine your goals. Knowing what all of your goals are enables you to create the best plan to achieve those objectives over the long term. While you may not be able to achieve all of your goals simultaneously, having a plan in place will help as you work toward your future goals.

Create a spending plan that fits your resources and objectives
Once you know where you stand financially and the goals you hope to achieve, you are in a position to design a plan that will move you expeditiously in that direction. You will know how aggressive you need to be in order to achieve the objectives you set, and therefore you can design a plan that fits both your resources and objectives.

Just as with a plan that falls short of delivering on your goals, a plan that is overly aggressive relative to your resources is likely to lead to budget frustration. Keeping goals aligned with objectives is a critical part of the process and essential to budgeting successfully.

Remember that it is a plan and that plans change as needed.
Flexibility is always an important ingredient in the planning process. As life's circumstances change, as they inevitably will, you will need to adjust your spending plan accordingly. The important point is that the budgeting process keeps you abreast of how these changes are occurring and allows you to make changes as you find them appropriate to your needs and resources.

Budgeting can be a temporary or a permanent habit.
It may be that your present financial situation calls for the short-term control that budgeting can provide. Alternatively, you may find that budgeting gives you a level of control over your finances that you'd prefer to maintain over the long term. If the latter is true, you should make it a lifelong habit.

5 Tips to Find $100 Extra Per Month

Want to find an extra $100 within your regular spending? Knowing where to look and how to trim it is a good start. These are just a few very simple tips but they do add p.

1) Bring your own coffee in the car instead of picking one up.
$2.00 per day, five days a week, four weeks a month equals $40 per month, and that's if you just pick up one on the way to work! If you pick up another on the way home, now you're up to $80 a month.

While many will argue that coffee from home just isn't as good as the specialty and gourmet coffee shops, well, that's true, but they have your $80 at the end of the month and you don't. Try a different brand of coffee, and always use cold, filtered water when prepping for your early morning caffeine intake. If this doesn't work, maybe getting a new spouse who can make your coffee for you. While they're at it, maybe they'll blow your nose and wipe your ass for ya!

2) Take full advantage of "Free Shipping" online shopping offers.
Not only will this save you money of gas (because it's free, dumb ass), it will save you money on fuel (to get to the mall or store of choice), food (because you won't be out and hungry), and impulse shopping (there will be no "Oh---I need that!" because you'll be online, where it is much easier to see the total amount of cash spent and quite simple to delete an item if you change your mind.)

3) Errand consolidation and product planning.
If you have to run out to the store, make a list before you go so that you don't forget anything. Not only will you save gas, but you won't have to stop at the higher-priced convenience store on your way home from work to buy the dishwasher detergent that you forgot.

And while you're going out, consider which items are cheaper in certain stores (like paper goods and snack foods are usually cheaper in the national, discount department stores than they are at your regional supermarket) and purchase them there. Even if you don't need an item at that particular moment, you'll end up saving a few bucks in the long run.

4) Unplug small appliances and plug-in air fresheners.
Did you know that leaving a plugged in hairdryer or iron, even when the appliance is turned off, can suck electricity and bump up your energy bill? Doesn't that suck? And you know those cutie air fresheners that plug in to an outlet, releasing wonderful whiffs of sunshine continuously into your home? Yeah - they'll suck the cash out of your checking account, too.

5) Avoid "Time-Saving" products, when possible-
You know, like the little, individual bags of chips, cookies and other snacks at the grocery store. It's usually substantially cheaper when you buy a really big bag of chips and separate them into little baggies yourself than it is to purchase the "ready to go", single serving versions, brand name or not. Corporate America knows that we often don't have time to breath, so they create these handy, convenient ways to simplify our lives while simultaneously putting a few coins in their pocket.

It's all about those little savings per day that add up, and that $3.33 per day for 30 days can be your lost $100.

Budgeting Using The Envelope System

The envelope system can make all the difference in the world because you can visualize how taking a few pounds from the shopping envelope to pay for a movie is actually stealing money from a budget category.

When your money is just a lump of abstract figures in your bank statement, taking a little bit here and there for nonbudgeted items is easier to do. But taking only cash to the grocery store makes you shop more carefully, plan meals more frugally, and put things back on the shelves if you go over the budgeted amount.

A simple tip for taking care of your budgeting woes for regular bills is to pay for a part of each budget item each time you get paid. Maybe your utility bill is due every two months, but your husband gets paid twice a month.

Figure out what your average two-month utility bill is and then divide that number by four. That amount then comes out of each and every pay period for utilities. Sometimes you can plan for a small payment every two weeks easier than for one large payment once every other month.

If you have a monthly mortgage payment and get paid twice a month, write a check for half the mortgage payment each pay period. If you have an insurance payment due every six months, write 12 small checks, one on each pay period.

Budgeting with your partner

When you talk with your spouse or partner about your debts, try to stay focused on solutions to your financial problems instead of letting the conversation turn into a blame game. Both of you are probably responsible for your debts to some degree, and finger-pointing won't pay the bills.

Keep in mind that no matter how hard you try to cooperate with one another, money problems create a lot of stress in a relationship. We can't offer easy solutions for getting through the tough times ahead. We can only encourage you to work hard at keeping your relationship amicable.

You may find that talking about money is easier in a public place, such as a coffee shop or a park. If a change of venue doesn't improve your communication, consider scheduling an appointment with a marriage counselor or religious advisor so you can get at the root problems.

If your spouse or partner is unwilling to work with you to help your family get out of debt, and if you are concerned that his or her spending will condemn you to a life of financial troubles, you may have little choice but to re-evaluate your relationship. Although ending your relationship at the same time you are trying to resolve your family's financial problems won't be easy, you may conclude that it's best.