Personal Budget Planner,
A Different Perspective
Our personal budget planner is designed to help your finances in two ways at this point...
- reduce your expenses
- increase your income
This section is focused mainly on managing your expenses and eliminating your debt.
Managing your money is really just managing your thoughts and emotions about money. There are many emotional reasons for our spending habits. A long term goal in this section is to acknowledge the true reasons that drive your particular spending habits and to gain a better understanding of those reasons.
The better understanding you have of your own thoughts and emotions, and how they determine your spending patterns, the more control you will gain over your spending patterns. Control over your spending habits is exactly what you need before you are able to change your cash flow pattern.
If you follow this personal budget planner, success will take some determination and some persistence. Each time you receive a paycheck, re-visit this page and perform the following step-by-step routine.
- 1.- Determine where you are in the scheme of things
- 2.- Review the main debt elimination strategies. Select a plan and print out the appropriate worksheet A
- 3.- Fill out worksheet A, following the instructions
- 4.- Print/Fill out worksheet B following the online instructions
- 5.- Print/Fill out your expense budget, following the online instructions
- 6.- Print/Fill out your cash flow worksheet, following the online instructions
- 7.- Review the Steps to Success and What it Takes (below)
- 8.- Save your paperwork somewhere for later reference
Decide on a plan
Establish goals
One by one, focus on accomplishing the goals
determination
focus
time management
willingness to learn
persistence
Realize...
time is your greatest asset
Begin the Personal Budget Routine
Leave the Personal Budget Planner and
Go to the Debt Help Home Page
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