Budget Bitch asked:

I was talking to a lady the other day… in her mid-forties, who told me that they “don’t need a budget”. Naturally, my curiosity was aroused… not 5 minutes before that statement she was complaining that she had to work, and she hated it. “So why don’t you need a budget?” I asked. Her reply was simple… they “don’t have a credit card and they don’t owe any money”.

My question about how much money they have saved in a bank account was met with a blank stare and an answer of ‘Nil savings’. Their future? - Well, they have nothing apart from the employer funded superannuation which now amounts to about $35,000.

 How are they planning to spend their retirement? What activities would they like to enjoy? Have they even thought about this? You see, at the moment the old age pension is a little more than $250 per week. Now I don’t know about you… but that will barely cover my household expenses.

So while this lady has worked hard to make sure she has all her debts paid out, she hasn’t given much thought to what lies ahead in the future. She readily admitted that they’ve frittered a lot of money away each week, since they paid off the mortgage. But then she also realized that if the fridge packs it in tomorrow, they don’t even have the price of a new one in their bank account. That would mean going back into debt again.

Even if they just saved half of their old mortgage payment each week, they’d be in a much better situation when they retire and that could mean the difference between eating out in a restaurant and eating out on the back lawn. (c)

http:www.budgetbitch.com.au

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Thomas Berten asked:

Rules. No-one likes rules. But we all realize that if we didn't follow traffic rules and stop at a red light, our streets would be chaos. If you want to have a successful personal budget, you have to follow the rules (in this case one simple rule).

Many people believe that there are a lot of rules to follow when making a personal budget. People believe you must work on your budget every day, and keep track of every penny you spend, or else your budget won't work. Most people think budgets are a lot of work.

Most people also believe that budgets are hard. They think you need to be an accountant to be able to create and maintain a personal budget.

Budgets can be a lot of work, but they don't need to be, if you follow the First Rule of Making a Personal Budget: Keep it Simple. Yes, like a lot of things in life, the KISS rule applies to your personal budget.

Don't try to create a complicated series of linked spreadsheets with fancy graphs and tables. Don't try to master the most complicated personal budgeting software. Don't believe that you have to go to school and study bookkeeping and accounting to make your budget work for you. Keep it simple.

Start with a blank piece of paper, or a blank spreadsheet, and make a list of what you spend money on every month. That's right, you are not making a budget; you are making a list - how easy is that?

Most people can't even make a list of what they spend each month, because they have no idea what they spend their money on. No problem. Keep it simple. Get a pencil and a piece of paper, and carry them with you everywhere. Whenever you spend money, write in down. At the end of a normal week, you will have a good idea of where you spend your money.

You could then take your week's worth of notes and make a monthly budget. But, to make your budget even simpler, do a separate budget for every pay check, or make a separate column on your spreadsheet for every paycheck. That means if you get paid every week, have a column for every week.

Then, make a plan for how you will spend every paycheck. It's much simpler to decide how to spend your paycheck this week than it is to try to budget for the next six months.

Read that sentence again: make a plan for how you will spend your money. That's the only reason for making a budget. By keeping track of where your money goes, you can make a plan to spend your money where you want to spend it.

If you keep it simple, your budget will be a success. And remember, if you don't follow this simple rule, your personal finances will be a mess, and you could have to declare personal bankruptcy. So keep it simple, because proper budgeting is the best personal bankruptcy alternative.

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Paul Hata asked:

For some, the idea of a budget is often a blur. It is frustrating to see how hard it is to do a budget and realizing that with one wrong purchase, you can actually ruin the entire thing. And this has been a perennial headache for most homemakers.

It is about time to overhaul the way people look at budgeting. It can actually be a great way to keep track of your family's expenditures and help you evaluate the things that you spend the lion's share of the family's earnings on.

What is a budget? A budget is a tool for handling your finances by controlling the family's expenditures in a way that money is enough for paying up bills, and still ensuring that savings are set aside for future expenses - vacations, or children's education, or even for retirement.

Try these simple steps in preparing a no fret family budget, and see the benefits of intelligent spending.

1.Gather three months of your pay stubs and get your average monthly earnings.

2.Get out three months of your monthly bills. Do this for the fixed expenses like the rent, phone bill, car payments and other loans that come monthly. Add them up and get the average. Do the same for other expenses like groceries, and credit card bills.

3.Evaluate the results of your computations. Looking at your average monthly earnings against your monthly fixed expenses and other monthly expenses, think of some ways to economize. Cut back on some items that are somehow unnecessary.

4.Knowing the facts of your income and expenses, develop a family budget and try to stick to this monthly budget.

5.Now that you have a monthly budget, set up a savings account. Save up by making regular deposits to this account.

6.Keep track of this monthly family budget just to see if it is working for you. Try to fine-tune the "rough edges" of this budget as you go along.

7.If you can get hold of a personal budgeting software or spreadsheet application to keep record of your budget, the better. This will make organizing your expenses very easy.

These are the basic steps in developing and implementing a no fret, easy to stick to monthly family budget. Of course each family has diverse needs and wants.

You have the freedom to develop your own monthly family budget, depending on your family's financial background and needs.

No matter how you do it, just focus on the end result, which is building a savings that leads to a bright and financially stable future for your family.

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Lizzie Scott asked:

Here are some of the favorite tips for budget travel in Europe. Actually, these budget travel tips apply to any country that you want to visit!

Budget Travel Tip # 1 Eating with the locals instead of the tourists. This way, you will save some money and enjoy the local food at the same time. Restaurants or eateries that are popular with local residents tend to be the ones with the best meals at a low or reasonable price.

Budget Travel Tip # 2 For a quick and economical breakfast, pick up a roll, some fresh cold cuts and a piece of fruit from the local market. Then enjoy a delicious sandwich and a cup of coffee in the local park. Take in the view and local life around you. You may end up with some great photos while at it.

Budget Travel Tip # 3 When eating out, choose the fixed price menu and the house wine for the best value. These dishes are often a good way to sample the local cuisine.

Budget Travel Tip # 4 Overnight trains are a great way to get from place-to-place and rest or sleep. During your budget travel in Europe, be sure to bring a meal, bottle of water and snack along. That way, you can save money and enjoy your packed meal.

Budget Travel Tip # 5 Snap away! Take loads of pictures of the people you meet during your budget travel in Europe. If you are using film camera, develop them when you get back home as developing at tourist locations can be expensive. Of course, if you are using a digital camera, you can take as many shots and print only your favorite ones.

Budget Travel Tip # 6 Find a website that offers some photographs of local attractions or upload your own from your digital camera. Personalize these shots with an epostcard and email them back to family and friends at home.

Budget Travel Tip # 7 Learn a few basic words of the local language. It will be easier and cheaper to buy things.

Budget Travel Tip # 8 When making large purchases, it is always best to use a credit card. That way you cash lasts longer.

Budget Travel Tip # 9 Like credit cards, ATM cash transactions provide the best exchange rates. You will avoid the sometimes costly fees charged by hotels and currency services when you need cash.

Budget Travel Tip # 10 Many travel locations provide student discounts, senior discounts, etc. If you are not sure a, always ask.

Budget Travel Tip # 11 Plan your budget travel wisely. There are some inexpensive souvenirs that you can get from your budget travel in Europe. For example, stickers, fridge magnets or postcards. For more expensive purchases, remember that the further you go from the tourist attraction, the less expensive the souvenirs will be.

Budget Travel Tip # 12 Go on a tour of the city. A bus pass or subway token is a great avenue for meeting the local people and sightseeing. The public transportation service of most European cites is efficient, clean, safe and easy to navigate.

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Wolfgang Jaegel asked:

Budget Airlines, also known as low cost airlines, discount carries, or no frill airlines, have revolutionized the way the people travel. With the introduction of the budget airlines, even a common man can now dream of air travels, which was once just confined to upper class people as well as business executives.

A budget airline is simply a category of airlines that render low fare services via cutting off majority of traditional passenger services. In other words, budget airlines are flight carriers that provide services at exceptionally low rates. Sometimes, budget airlines could even fetch you more than 50% discount.

The concept of budget airlines was first introduced in the United States. During the 1990s, it spread to Europe, and later gradually to Asian destinations. Now this concept has become popular across the world.

Today, many of the reputable airlines in the scenario provide low cost airline services and that too without sacrificing the quality of services. Budget airlines generally make available low fare services through adopting certain practices, such as, providing food options to be paid separately rather than providing it as an all inclusive service and by providing seating on the basis of 'first come, first fill,' ie, in the case of budget airlines, the plane is boarded just as a bus and as such, seats would be occupied by those who would come first. In fact, budget airlines have now become one of the smartest ways to travel.

Some of the salient features of budget airlines are single traveler class, single category of airplane that reduces training as well as servicing expenses, easy fare scheme, unreserved seating systems, early flights in order to eliminate delays in air traffic, short flights, ticket sales via the internet, thereby enabling passengers to save money in the form of commissions and fees paid to travel agents, issuance of tickets in electronic format, absence of services such as in flight catering services as well as other complimentary services.

In the case of budget airlines, the pricing of air fares is based on the duration of time between booking and departure. The earlier you make bookings for airfare, much cheaper would be the airfare. Similarly, in order to fill the unsold seat in the plane, some airlines would slash the price prior to a few days before its departure.

A specialty of most of the budget airlines is that they cater to almost all types of travelers. For instance, some airlines operate budget flights according to the convenience of the business travelers. There are certain airlines providing incredible deals on air fares for students as well as leisurely travelers. In most cases, budget airline fares are flexible, al though, in some instances, these airlines may charge a nominal fee to make changes in flight reservations.

A budget airline provides almost the same superb services that a standard airline offers, such as excellent dining options, superb entertainment facilities, and comfortable as well as soft cabins. Additionally, some of the budget airlines render special services for passengers such as elderly travelers, children traveling alone or not accompanied by their parents, pregnant as well as passengers flying with infants, and passengers who have visual, speech, or hearing imparity.

With the introduction of the internet, it has become quite easy to find a budget airline. Many of the airlines have their own websites with facilities for online ticket booking. This in turn is very convenient. It is not only beneficial for hassle-free bookings but also enable you to know whether they provide any kind of discount or deals for traveling within a stipulated period or during a particular season such as Christmas or New Year. All you have to do is to just log into their website and inform them regarding the destination you are going to travel and date of departure.

All of the rest they will take care. In addition, airfare bookings online is economical, as it enables you to save pennies on issuing tickets. The airlines, in most cases, sent confirmation through a simple document containing flight details as well as booking reference. When you make payments and bookings online, it allows you to easily take a print out of this document as soon as the booking process is completed. In short, with just a click of a mouse you can make bookings for a comfortable air journey.

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Rhys Campbell asked:

On Wednesday April 4, the Reserve Bank of Australia (RBA) decided leave the official cash rate on hold at 6.25%, saving homeowners the much anticipated 0.25% increase in variable mortgage rates. Many analysts are tipping the RBA is waiting on official March inflation rates before deciding on any increase and believe an increase is likely in May.

www.news.com.au stated that "Higher rates are forcing people into financial hardship with a survey by NEWS.com.au and Coredata released today revealing almost one in three Australians would be forced to sell their home if interest rates rose by 1 per cent."

Furthermore, "Of property investors, 44 per cent said a 1 per cent rate rise would force them to sell their properties as mortgage costs got too much to service."

Take the following mortgage and see what happens when interest rates increase:

Current situation

Loan amount$400,000

Interest rate7.99%

Loan term25 years

Weekly minimum repayment$711

Total interest payable over 25 years$524,642

0.25% interest rate rise

- Weekly minimum repayments will increase to $727

- Total interest payable over 25 years will increase to $544,588 - that's another $19,946!

- Additional amount required per annum to satisfy minimum repayment requirements will be $812

0.50% interest rate rise

- Weekly minimum repayments will increase to $742

- Total interest payable over 25 years will increase to $564,706 - that's another $40,064!

- Additional amount required per annum to satisfy minimum repayment requirements will be $1,616

1.00% interest rate rise

- Weekly minimum repayments will increase to $773

- Total interest payable over 25 years will increase to $605,445 - that's another $80,803!

- Additional amount required per annum to satisfy minimum repayment requirements will be $3,246

The Sunday Herald Sun reported on April 8 that "Battling families are using their credit cards to pay their mortgages in last ditch efforts to save their homes." reporting one family that has accumulated approximately $160,000 in credit card debt on eight credit cards and that "charities and financial counsellors say there are thousands more - many just one interest rate rise from losing their homes."

All this talk about interest rate rises and the impact it is having on homeowners enforces the important of staying in control of your finances. Applying additional amounts to the mortgage repayments means families will need to cut back on other areas of spending to avoid the trap of financing their lives via credit cards which attract interest rates of approximately 20% p.a..

The best way to stay in control of your finances is to ensure you regularly complete a budget. Budgeting is the key to understanding how much you are spending and where you are spending your money - this is the first step to being able to save money.

By regularly completing a budget you regularly understand where and how you plan to spend your money over the coming period. That way you can determine which areas of your spending can be better managed i.e. where you can save money which can be applied to those additional mortgage repayments.

For those people who struggle with budgeting or don't know where to start when it comes to budgeting, www.easy-budgeting.com can help.

www.easy-budgeting.com has made the process of budgeting easy and possible for everyone. The web site offers a simple and easy to use 12 month budget model created in Microsoft Excel. You don't need to be a computer wizard or an Excel expert, you just need to have the desire to control your finances.

The main feature of the 12 month budget model provided by www.easy-budgeting.com is the ability of the user to budget an income or expense item by completing just 3 easy steps. The user simply selects the start month, the frequency and the amount of the income and/or expense and the data for the 12 months is automatically generated based on the parameters selected.

After completing the budget and reviewing the 12 month summary and the expenses graph, users can easily determine where their money is being spent and where cut backs are possible. The budgeting process will help you identify your problem areas, take control of your spending and ensure you are better prepared to manage those inevitable interest rate rises. If completed regularly, budgeting will become second nature and you'll find that your money will go further and work harder for you and your family.

Visit www.easy-budgeting.com for more information on the 12 month budget model.

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Ann Marosy asked:

I can still remember my first lecture in Management Accounting. The lecturer was introducing us to the concept of budgeting and at the end he made a little joke, which went something like this: "If your budget has turned out exactly right, you have either had an amazing stroke of luck or got it wrong!" Of course, what he meant was: budgets are not meant to be accurate. They are there as a guide - an important, essential guide that should act as both a planning and control mechanism.

I try to avoid the word budget with my new clients but I would like to introduce you to the real meaning of budgeting. Forget about the concept of restriction and restraint often associated with household budgets and start thinking about your finances in the same way that good businesses do.

The glue that holds all successful business practices together is the master budget. It ties in all facets of the business - marketing, selling, financing, research and development, and personnel management. Without a good master budget that incorporates all activities of a business, an organisation will end up floundering. And a floundering business is rarely profitable.

The budget provides the cohesion between the differing objectives of diverse parts of the business and creates a unified goal for the total organisation to work towards. It enhances motivation, delegates responsibility and provides important feedback on the progress of individuals and the organisation as a whole. Not bad, for a simple system that we all thought someone installed to punish us for our mistakes.

Budgets are not punishment. They are important, useful tools that guide us to where we want to go. They allow us to plan for our future yet control our circumstances along the way. They are not meant to be exact, but rather flexible and accommodating. They should change when we change, but still be resilient enough to prevent us from going off the rails. They point us in the right direction and correct us when we fail. Without a budget for our finances, we are trying to win the 100-yard dash blindfolded.

People make mistakes. We have human weaknesses that cannot always be perfected. As good as our judgement may be, there are times when we can go off course. We can be tempted, we can be deluded and sometimes we just slip up. What we need is something that keeps us on the right road without invalidating our past mistakes yet motivates us to try again. And again, and again - until we get it right.

I have had clients who tried but left after a couple of weeks, only to return to me months or even a year later, "Sorry, can we try again?" Sure. It took me a couple of years to perfect it. Sometimes, I left it for weeks or even months, returning to my old spendthrift ways, but eventually came back with a greater knowing that the only way I could get ahead is to work within the system.

A good system will allow you to do this. This is called "Correction, without Invalidation." In other words, keep trying and correcting your mistakes without making them wrong.

What we need is a system that allows us to deviate off course at times but builds in controls to prompt us back whenever we veer too far - a system that facilitates correction, without invalidating the mistakes we made on the way.

First, you need a plan. A plan incorporates objectives, goals and step-by-step strategies or action plans. An objective is a high-level, qualitative statement describing a desired outcome. For example:

"To be financially independent and free to travel the world."

A goal is a quantifiable statement that is measurable and specific. For example:

"To create an independent income of $30,000 per annum, so I can leave my current employment by by a certain date."

The action plan then becomes your step-by-step approach of how you can create the independent income by that date.

If your objective is your life's dream - to travel the world - then the sacrifice of saving will not seem so daunting. We are all willing to make small sacrifices over time, if we have a greater goal in mind.

Another critical aspect of budgeting is comparison. We need to always compare what happened to what was supposed to happen. If you have a budget but never go to the trouble of comparing your actual expenditure to the budget, you are only using 50% of the system.

It is important that on a regular basis you compare your actual expenditure and outgoings to what was budgeted. Use the variances as a feedback mechanism to gauge your progress. It is OK to have variances. Remember the immortal words of my Management Accounting lecturer - budgets are not meant to be exact, they are used as a guide.

The variances will tell you how you fared. Was your budget realistic? Did you under-budget? Over-budget? If the budget is unrealistic, modify it. Budgets should be dynamic tools, changing where necessary until you get the right mix.

Did you overspend? Underspend? Was the budget reasonable but you simply broke the rules and fell back into bad habits? That's OK, the variances will guide you to where you need to focus your attention.

Did you waste too much money at the supermarket? Spend too much on discretionary items? Are your fixed costs still too high? Correction. Correction. Correction. The variances will show you where.

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Dalip Singh Wasan asked:

Preparing a budget.

The people of India must be congratulated that they are in a position to prepare their family budget with the income which is coming to their houses and they are living on and are not starving and dying. Very few people die of starvation. The people who die are few in number and most of the people live on with all the conditions created by the state, by the society, by the rich and powerful people. If the people of the world so desire, they can give them Nobel Prize because they are running their administration and are still alive.

When the people of India were under Rajas, Maharajas, Monarchs and then under the Imperialists, they were having no say in the administration. But they initiated their war of independence and they got independence and it is on record that they established democracy which is government of the people. It clearly means that now the people of India are the masters of the country and all those who are appointed or elected and raised to the seats of power are not rulers, but they have been designated just ' public servants '. But all these entries are just paper transactions because it is on record that these elected and appointed people who have been declared as ' public servants ' have been turning rich and all those who have been declared as masters of this country have been reduced to poverty.

We cannot designate this administration as ' Ram Rajaya'. It is something new and it is on record that this administration could not be equated even with 'Ravana Rajaya ' because all those problems which were with the people of India prior to independence are still alive with the people. They are still illiterate, they are still unemployed, they are still without suitable houses, they are living in mud houses, they are found living in huts and sometime they are found lying under the open skies. They are not having suitable diet, they are not in a position to get proper treatment when they are ill. they are not in a position to send their wards to schools, to colleges, to training institutions, nor they are in a position to get for them proper work from where they could bring proper income with which they could run their family administration. They are still divided on the basis of religions, on the basis of castes, on the basis of economic groups and that is the reason, most of the time of the people is spent in fighting. There had been promises and assurances and if we go deep, we shall find that all those promises and assurances had been false and those were declared just to catch more and more votes and we had been giving votes to the people and giving them power to exploit us because they were not actually experts nor they were having a will and a desire in their mind to serve the people and bring them out of these problems.

We had been having experts on the government side and they had been preparing budgets for the state. some time they had been coming with annual budgets, some time they had been coming with interim budgets, some time they had been giving us Five Year Plans and the figures which they shall be spending on items enumerated in the budgets. The people who had been preparing budgets had been appreciated and also commented upon and at times we have been told that the budgets which had been prepared could not meet the items and some items had to be left out and at times they had been imposing taxes or had been collecting money from the people for completing those projects. But when we come to the common people, we know that they have got no such alternatives with them. They are to run the family administration with the income they have got and in all circumstances, they are to live. They do not know when the prices shall rise and how they shall meet those rising prices.

The state itself has admitted that most of the people are living below poverty line and it clearly means the state knows the list of those who are living below poverty line. Therefore, the state must have come with a budget of a common family presently which is having income between Rs.2500.00 and Rs.3000.00PM. The Finance Minister should have prepared this budget for the family and that budget should have been circulated so that the common people could get guidance from the Finance Minister. he state has assured the people that the state shall be taking care of the people and when the people are facing rising prices and when the demands of the people are not limited to the basic three items food, house and clothes, the state must guide the people so that common people could also live a life in free and democratic India. The Prime Minister of India who himself is a economic expert he too can help the Finance Minister in this field and they must place before the people a budget of a common family. They should also place before the common people revised budget when prices rise without prior notice to the common people. The people are not having any concern with the state budget. They are concerned with the family budget and it is the duty of the state to prepare their family budget.

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Jeff Nelson asked:

Lets face it, we are not in the best of economic times, bills are high and incomes are being stretched. Credit cards and loans are piling up, in which paying the minimum payment every month is going to get you nowhere. Getting out of debt plagues the minds of most Americans who are desperately trying to obtain a level of prosperity that only a small percentage ends up achieving. People borrow money to go to school, start a business, buy a house, and other infinite amount of reasons. However people may not be aware that the interest rates on their loans are increasing and being compounded at an alarming rate making it almost impossible to pay back the loan with its interest. Determination and motivation are two qualities that must be present for a person to get out of debt quicker than planned. The rest go along with the brigade and get caught in the web of late payments and increased fees.

In order to start you journey on becoming debt free, it is imperative to take a realistic approach of your finances, namely your budgets. Establishing budgets for different sectors of your life can be very helpful when trying to efficiently allocate your resources. For example separate budgets must be established differentiating your business from your family. This is an imperative step for if the two get combined it will be extremely difficult to determine which resources should be distributed where.

Budgets are what organize expenses, revenues, and savings. Budgets also set limits on the amount of resources that can be spent on one subject, such as entertainment. In determining your budget, you must fully be aware of any unexpected expenses that might arise therefore it is necessary to set aside an entirely different sector for unexpected expenses. One of the main reasons to set up a budget is to get out of debt more quickly than anticipated. If you are really stringent with your money and set your budgets that favor paying out your debts, you will be in the black faster than you might think. Another importance of budgeting is making sure that you have calculated in all of your bills correctly. For this will severely affect the amount you are able to spend on sectors in your budget. To make sure that you are citing the right bill amount, you can use useful tools online that will figure out your monthly bills and pool them together. Tools like these enable you to correctly justify your earnings and spending that greatly affects the inner workings of your budgets.

In order to get out of debt quicker and more efficiently setting up your budgets is the first step needed to achieve this goal. In correctly setting your budgets, you are setting yourself up to get out of debt quicker than you ever imagined while also leading a life to which you determine. Managing money in the correct manner is something that all Americans should learn so that our economy does not feel a crisis like this ever again.

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Kenneth Kelly asked:

What Is A Budget Simply put, a budget is a spending plan. It details how much you earn, how much you spend, and how much is left over. If you have any money left over, then you have a budget surplus. If you don't, you have a budget deficit. If you happen to fall into the budget deficit category, then you have to cut non-essential purchases completely out of your budget. Generally, living and leisure expenses can be modified slightly to fix the problem.

Why Start A Budget

Statistics show that the average American spends 10% more than they earn. This means that if you have an annual household income of $50,000, then on average you would be spending $5000 more than you earn. The only way to combat this cycle of overspending is by establishing a realistic household budget and stick to it.

What Are The Benefits of Budget

Maintaining a budget allows both individuals and families to become debt free, save money, track spending patterns, and achieve financial goals. Whether you are looking to pay for your next car in cash or funding your child's college education, establishing a budget is a sure way of doing it.

Why Some People Fail at Budgeting

Many people fail to live within their budget when they feel that it is too restrictive or too difficult to manage. Therefore, it is a good idea to allow room for leisure entertainment and some discretionary spending. This way, you stick with your budget and it becomes a habit without feeling miserly.

How To Start A Budget

Follow these quick and easy steps and you are well on your way to becoming a master at budgeting.

1. Set your goals. Why do you need to budget? Saving for a new car, vacation, or nest egg?

2. Determine your cash flow. How much is coming in every week, month, year? Write it down, or enter your information into a budgeting software program, such as Budget Forecaster by Strativia.

3. Determine your expenses. Where is your money going? Again, write it down.

4. What the verdict? Do you have a budget surplus or budget deficit?

5. Maintain or modify your plan. Depending on your results, you should either stay the course, or change your course to achieve your financial goals.

There you have, Budgeting 101. It's not hard. The difficult part of budgeting is actually starting and sticking to it. If you start today, you will be financially free tomorrow.

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