Everything you need to quickly and easily prepare a budget that will help you successfully reduce expenses, eliminate debt and take control of your personal finances. Take Control of Your Finances! Reduce your spending painlessly and effortlessly; Pay off your…
In this kit, we’ll guide you step-by-step through the process of creating and living with a personal budget. We’ll show you how analyze how you receive and spend your money and to set goals, both short and long-term. You’ll learn how to gain control of your personal cash flow. You’ll discover when you need to make adjustments to your budget and how to do it wisely. Most of all, this kit will show you that budgeting isn’t simply about adding limitations to your living but rather the foundation for living better by maximizing the resources you have.
This Personal Budget Kit provides you with step-by-step instructions, detailed information and all the budget worksheets and spreadsheets necessary to identify and understand your spending habits, reduce your expenses, set goals, prepare personal budgets, monitor your progress and take control over your finances”.
Enodare, the self-help business and legal publisher, was founded in 2000 by a group which included solicitors, entrepreneurs, business professionals, authors and academics.
Enodare’s Will Writer software was first published in that year quickly drew in excess of 40,000 visitors per month to our website. From this humble start, Enodare has quickly grown to become a leading international self-help publisher with legal and business titles in the United States,
Our aim was simple – to provide access to quality business and legal products and information at affordable prices to Americans. By providing customers with much needed information and forms, we enable them to place themselves in a position where they can protect both themselves and their families through the use of easy-to-read legal documents and forward planning techniques.
Enodare has quickly grown to become a leading international self-help publisher with legal and business titles in the United States. All publications by Enodare are created under in conjunction with industry experts to ensure our customers receive the expertise they deserve.
Chapter 1 – Why You Need To Budget
Creating a Personal Budget
The Rewards of Sticking to a Budget
Types of Budgets
Key Requirements for a Successful Budget
Introducing the Budget Spreadsheet
Chapter 2 – Analyzing and Tracking Your Current Finances Chapter Overview
Calculating Your Total Income
Calculating, Tracking and Forecasting Your Expenses
Expense Tracking and Forecasting Exercises
Weekly Expense Tracking
Monthly Expense Tracking
Monthly Expense Forecasting
Annual Expense Forecasting
Understanding Your Expenses
Fixed, Variable and Discretionary Expenses
Understanding What Your Finances are Telling You
Understanding What the Budget Spreadsheet is Telling You
Chapter 3 – Setting Your Goals Chapter Overview
What are Your Budget Goals?
Adding Time Frames to Your Goals
Goal Setting for Couples and Families
Review Your Goals Regularly
Chapter 4 – Strategies to Reduce Expenses & Save Money
Why Reduce Expenses?
Prioritizing Your Expenses
Where to Look for Savings Opportunities
Finding Cost Savings
Alternatives to Debt Consolidation
Selling Things You Don’t Need!
Tracking Your Savings Success
Chapter 5 – Managing Debt and Credit
Debt Financing and Credit
What is Credit?
What is Debt?
Principal Sources and Categories of Debt
Understanding the Importance of Credit Scores
How Credit Scores are Calculated
What Happens to Your Credit Score When a Credit Application is Made?
Reviewing Your Credit Report
How to Improve Your Credit Score
Do You Need a Personal Loan?
Paying Back Your Loan
Home Loans and Mortgages
Credit Cards and Common Misuses
Are Balance Transfers on Credit Cards a Good Idea?
How Much Credit is Necessary?
Credit Card Repayments
Chapter 6 – Making Your Budget Plan
Getting Ready to Write Your Budget
Determining Your Budget Figures
Choosing Your Method of Budgeting
Creating Your Budget Using the Envelope Method
Creating Your Budget Using the Spreadsheet Method
Sample Budget Worksheet
What to Do After Preparing Your Budget
Chapter 7 – Living With and Making Adjustments to Your Budget
Monitoring Your Progress
Making Adjustments to Your Budget
The Consequences of Budget Changes
Ensuring Your Budget Helps Achieve Your Financial Goals
1GHz or faster processor
Microsoft® Windows® XP with Service Pack 2 (Service Pack 3 recommended) or Windows Vista® Home Premium, Business, Ultimate, or Enterprise with Service Pack 1 (certified for 32-bit Windows XP and Windows Vista)
1GB of RAM
3.5GB of available hard-disk space for installation; additional free space required during installation (cannot install on flash-based storage devices)
1,024×768 display (1,280×800 recommended) with 16-bit video card
QuickTime 7.1.2 software required for multimedia features
Broadband Internet connection required for online services*Windows 7 compatibility