"My Father had a profound influence on me, he was a lunatic."Spike Milligan
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3 Budget Projects To Add Value To Your Home
Every year thousands of home owners do major renovations on their house in order to improve the value as well as enjoy their improvements. Some home improvements are very costly and many do not have a good return for the money spent. If you want ...
Budget your Family Fun – Rent Games Online
As a parent it is sometimes hard to not be able to always buy your child the next new thing that usually costs a lot of money. Sometimes it just isn't feasible and you also probably can't make sense of spending upwards of $50 or more on one video game! A ...
Eat Great in Kauai on a Budget
Hawaii has a reputation of being exotic and expensive, however there are places to eat that not only taste great but won't break your budget as well. Many tourists frequently get trapped at certain touristy style restaurants that cost a lot of money, ...
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Mention the “b” word, as in BUDGET, to a friend and they'll look at you like you have a third eye growing from the middle of your forehead. For most people the word budget too often carries negative meanings such as limits, restrictions, living on an allowance, giving things up, no shopping, no fun.
Unfortunately, the point they're missing is that a budget doesn't limit you but instead gives you freedom. That's right - FREEDOM. The words “budget” and “freedom” are not mutually exclusive, once you understand what a budget can do for you.
Having and using a budget will give you direction. Your budget is your personal map of how you're going to move financially from “point A” to “point B” and so on. Would you like to pay off your credit card debt? Buy a new house or car? Save for retirement? If you answered yes to any of these questions, then let me ask you one more - how are you going to do it? What's your plan?
Let's take a look at paying off your credit card debt. You've decided to lower your debt by adding an extra $20 to your monthly payments. Great idea - as long as you can afford it and you stop using your credit cards. However, you won't know if you have the extra $20 if you don't know what your monthly expenses are from the start. With a budget you may find that you can actually afford more and pay off your debts faster. You'll have the freedom to use your money more wisely and achieve your goal.
What about buying a new house or car? If you don't have a budget, you won't know how much you can pay for a house or a car payment. Make that mistake and you'll get a visit from the repo man or you'll find yourself in foreclosure. Your budget gives you the freedom to make an informed decision.
How about saving for retirement? Unfortunately most of us don't consider retirement savings until we're into our forties or even fifties. Imagine if only we'd been smarter, had a budget, and started contributing toward our retirement when we were 10, 20, or 30 years younger?
Having a budget doesn't limit you. It gives you the freedom to make informed financial decisions, allows you to use your money more wisely, and achieve your financial goals more quickly and easily.
Copyright 2005, http://www.yourfreecreditreportnow.com
About the Author
James is editor of "TO YOUR CREDIT", a free weekly newsletter with tips to help you manage your personal finances. Subscribe today and receive his e-book “IDENTITY THEFT- How To Avoid Becoming the Next Victim!” and other bonuses by visiting http://www.yourfreecreditreportnow.com
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 OBAMA: "Subsidising Big Oil Makes No Sense" - Inter Press Service
GRAND RAPIDS, Michigan, Oct 3 (IPS) - Democratic presidential nominee Sen. Barack Obama sat down with IPS correspondent Bankole Thompson again on Thursday for a one-on-one interview in Grand Rapids, Michigan, where over 15,000 enthusiastic Obama ...
Check out free budgeting websites - AZCentral.com
Sticking to a budget is a necessity these days for many consumers and it's a little easier now thanks to the web. There are many websites that can help you manage your spending and your saving, and best of all, they’re completely free! In these ...
Senate boss wants focus on budget - Arizona Daily Star
PHOENIX — Senate President-designate Bob Burns said Wednesday that the 2009 legislative session should begin with lawmakers working only on the state's fiscal crisis, with a hold placed on all other business until a new budget is approved. The ...
Fort Erie council not ready to set limits before budgeting - Niagara Review
For the second time in 2 1 /2 weeks, council rejected setting early limits as they head into budget talks. Coun. Ann-Marie Noyes' proposal that the town's portion of next year's water and sewer budget not exceed two per cent was defeated earlier this ...
DataCert Enables Easy Budget Collaboration between Corporate Legal ... - Marketwatch
Using the budget collaboration feature, corporate legal departments can enhance communications with their outside counsel, streamline the budget request process and measure law firm performance. "The budgeting process between corporate legal ...
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