Between paying your credit cards bills on time, managing utility payments, finding the money you need for your house mortgage, buying stuff for the kids, food, and everything else that pops up; managing money can add a load of stress to an all ready overstressed person. Do you know where every penny you earn goes? If you don’t know where your money goes than now might be time for you to consider creating a budget. Without a budget to work off of how can you if you are spending more than you are making? How can you know if you are making the wisest decisions for where your money goes? A budget is a summary of your income versus your expenses usually for a given time frame such as a month. It is arranged in a spreadsheet with rows and columns for items and costs. Making a budget is vital so that you know where your money comes from, how much you have to work with and where it needs to go each month. Managing money can be stressful. Reduce your stress with a budget. With a budget, there are no surprises because everything is itemized on your spreadsheet. According to an article by Investopedia, some additional reasons for creating and maintaining a budget include: helps you save for retirement, allows you to make short and long term goals, guarantees you don’t spend money you don’t have, sheds the light on possible bad spending habits, helps you to budget extra money in case of an emergency or for that family vacation, and helps you to destress knowing that your bills can be paid each month.
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