If you're fed up with never ever being able to get ahead financially and you're ready to take control of your money, making a family budget planner is the initial step. It's simple to wish to avoid this step since it looks like it will be a convoluted pain in the neck. But the truth is that you can make your budget with three basic steps.

In case you want to invest in some software to help you with this process you certainly can, but for most households they can do it themselves with some paper and a pencil.

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​1. The initial step, and the most important, is to gather up all of you debt, your loan payments and your monthly expenditures. Don't forget about the more obscure things either like money for the parking meter, or money for your kid’s school plays costumes. Try to include every possible expenditure that you are likely to incur in a month.

Take into account bills, such as insurance, that may only be paid quarterly or annually. For these bills you can average them out over 3 or 12 months to figure out how much you should be putting away every month so you can pay them when they come due.

Also don't forget to include money for groceries, gas, haircuts, clothes, etc. Go back over several months of bank and credit card statements, which should give you an accurate idea of everything; you spend your money on.

2. Make a list of all income sources. This includes, of course your, income but you also wish to include all income from a spouse or a roommate, and if you're getting rent from some source as well as all other income make sure to include it here. Also, make sure you include your after tax income. For this purpose there is no point in including money that you don't actually get.

3. Total everything on your expenditure list and everything on your income list separately. You want a total number of how much you spend every month and a total number of how much you make every month. Once you've got those two numbers you will subtract your expenditures from your income.

Ideally you'll end up with a favorable number after you do this step. In case you end up with a negative number it means you are spending more in a month than you earn and it's time to make some changes.

The first thing you will have to do is to look into your expenses carefully to find areas where you can cut back. While most people don't like to admit it, many of us waste quite a bit of money every month. Find the areas where you spend more money than you should and cut it out, or at least cut down.

There you have it, a simple three-step procedure to make your own family budget planner. You have to have a clear picture of where you are right now before you can plan on moving ahead. This should make it much easier.

Further reading: check out this handy budget planner :  Monthly Income and Home Expenditure Tracking Pages
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​To have substantial amounts of money saved when it comes to any situation where you would require money, personal finance must be taken very seriously. The following paragraphs will supply you with all the information you will require to get started on having fantastic personal finances!
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One of most intelligent things to do is to avoid credit card debt at all cost. Only spend the money you have. Credit card interest rates can build up very fast, and if you find yourself already in the red, it is sensible to pay early and commonly overpay.


Some of the things that you can easily do with your money are to invest in a CD, or certificate of deposit. This investment will give you the choice of how much you want to invest with the time frame you desire, allowing you to take advantage of higher interest rates to boost your income.
When it concerns personal finances, some of the best ways to simplify is to automate. Do not pay your bills manually but instead set up the transfers to pay automatically every month. You'll never have to worry that you've forgotten to move your money where it requires to be.

Never spend any money you haven't earned if you are currently having financial troubles. That means you require taking all those cards and trashing them. This is something that's harder to do than it is to say. Stop the bleeding by getting rid of the credit.


Always balance your chequebook so you can easily make sure that there are no mistakes on your bank statements. You require becoming personally responsible when it comes to your own finances, instead of hoping that someone at your bank will notice any discrepancies. Creating a budget will make it easier to see any mistakes, as well.
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A good personal finance tip that can easily help you save money is to share a meal with your partner when eating out. Some restaurants serve portions that are too big when it comes to one person anyway. By sharing an entree, you'll save a lot more money.


Why not saving your change in a Tip Jar or something similar? Before you know you will have a considerable amount for your “Rainy Day Fund” ​​
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​Get rid of Credit cards, do not buy things with your debit card, and use cash when it comes to purchases. Use the envelope system to assign a budget when it comes to monthly expenditures. Have a separate envelope when it comes to each different type of expenditure, and place a specific amount of cash in each one. This way, you won't over-spend on any monthly expenditure. A smart idea is to have another envelope marked 'emergency', containing cash that can only be used if really necessary. Seal this envelope, as this will make you less tempted to 'borrow' from it.
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Although a few of these ways to keep your personal finances in control may be difficult to really complete, it is important that you look past the immediate pain of saving money. This is since; the pain of saving money is definitely outweighed by the satisfaction of having the money readily available when it is really required.

Further reading:
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This “Stay Positive" Cushion is available on Amazon

​To start with, you do need to plan things. First, you have to plan your long-term goals. Decide where you want to be, and after that you need to choose your strategy and have an action plan with target achievements and time frame.
This plan needs to be a visible part of your life every day. Every morning you need to review your goals, and review how you are going to obtain them. Everyday you need to have at least one thing to achieve that takes you nearer your long-term goal. If you fail to keep sight of your goals, you won't get to obtain them.


A way of helping you believe in yourself, and in reaching your goals, is to imagine yourself in the position you wish to achieve.
For example, you can, in your mind, see yourself in the conference room, or receiving that wished for award, or sailing that fabulous boat in fantastic warm blue seas. You can see yourself residing in that terrific penthouse, with a huge balcony, wonderful views and a sauna bath. Or maybe you see yourself as an acclaimed musician and performer, golfer, or artist. It doesn't matter what your dream is-- what matters is that you work at obtaining it.
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If you let your emotional fear hold you up, you will postpone starting the important things you have to do. And if you start, you will prevaricate and find distractions-- anything to avoid actually doing what you have to do. This is something you have to overcome to become successful.
Acknowledge the fear, and work out short periods of time to do at least a part of a task. Don't allow yourself to become distracted. Ensure you have peace and quiet, and make sure you take your water or coffee with you.
This way you wont be tempted to just 'put the kettle on while thinking of task A', and wont just wander off to the fridge when you should be concentrating on task B'


Students particularly suffer from the procrastination syndrome. It's easy to say 'oh well, I work much better under pressure', but, in fact, it's rarely true, and most people just make life harder by postponing the moment.
So learn to work to the plan, live with the plan, and see the plan as your route to success. Don't treat it as an enemy-- actually it is your best friend.
Make sure your plan allows time for you to think about where you wish to go, and why. Thinking about your future is a good way to keep your goals in sight, and to adapt them if need be. It is worth dreaming a little about how it will feel when you achieve your goals.


Make sure your goals are not too easy, or way too difficult. The long-term goals may be a real stretch, and you know you have to work on progress in a realistic manner.
So set your interim goals, but review them on a regular basis. Your 'next' goal should always be just a bit harder than you think you can manage. Always ensure you have to aim a tad higher than you think you can reasonably get to at every stage.
Review your progression and goals at appropriate times. Build in your reviews to your critical path.

​Yes, you should have a critical path plan. By doing this, you can save time instead of constantly thinking of what you should do next. The plan should show each task in a style that tracks the sequence of your goals and tasks.
A critical path also enables you to build in flexibility and potential for change. It doesn't mean you are absolutely tied to each goal, each date and each vision. It should enable you to see how well you are doing at meeting your targets, though.
You can build almost anything into your critical path. If you need to get your diet right, then you can build in targets for reducing your dependence on sugary foods.
You can have a time frame for stopping smoking and weaning yourself off that bad old nicotine. You can build in the need on a regular basis to examine your attitudes, feelings and self-esteem.

​Further reading: Top personal Growth Tips
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