The Budget – The Ultimate Financial Management Tool


A carpenter can use house blueprints to build a bathroom, or they may be left out of the design completely.

Rocket Scientists would never dream of beginning construction on a new booster rocket without an intricate set of design specifications. But most us go blindly out into the world just like them when it comes to finances, lacking any inkling about finances and with no plan in sight whatsoever.

Not very smart of us, is it? 

A money plan is called a budget and it is crucial to get us to our desired financial goals.

Without a plan, we will drift without direction and end up marooned on a distant financial reef. 

If you have a spouse or a significant other, you should make this budget together. Sit down and figure out what your joint financial goals are – long term and short term.

Then plan your route to get to those goals. Every journey begins with one step and the first step to attaining your goals is to make a realistic budget that both of you can live with.

Your budget should be a plan for living, not an excuse to live without. Allocate funds wisely so you can have enough money in your account each month and still enjoy the occasional treat or outing with friends.

Saving a little bit of money could be the difference between an enjoyable retirement and one filled with regret. Some people find it difficult to even save $1 every day, but if you can manage that feat on top of your other expenses, then you’re doing better than most!

One way to make saving easier is using budget forms which are available online for free. You just need google any search engine (I like Google) and typing “free budget form” into its system before downloading what may work best for your financial situation at no cost whatsoever!

Even a small amount saved will help you reach long-term goals such as funding college or buying property in good time without resorting to high interest loans. But do not stop there.

Getting a date on the first try is hard, and even harder if you’re looking for someone who has compatible values. Meet your perfect match by sharing this print out with your spouse or significant other to make sure they also agree that it’s something both of you can stick with!

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