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Treat Yourself Like a Business and Budget

Treat yourself like a business

When it comes to creating your budget, this is a task that no one enjoys as it is mundane and boring right? Creating a budget is the only way to stay on top of your finances. The next part is actually sticking to it.

Sticking to a family budget is as difficult as exercising regularly and eating less of the fatty foods. We all know that exercise and eating correctly are important for maintaining good health just as we know that creating and sticking to a budget is good for our financial health, so why do so few actually do it?

Exercising, eating correctly and budgeting are always found on our new years resolution lists that we promise ourselves we will actually follow this new year, and promises that we always break. There is always an excuse as to why these promises are broken and the tales are interesting and endless.

The four steps to creating a workable budget are,
· Arm your self with all the information you require
· Work out where you are now,
· Decide on the goal you are trying to achieve,
· Determine how you are going to get there.

Arming your self with all the information is a process that is slow and painful, you will be glad that you took the time to do so, as nothing is more effective than sitting down with your shoe box full of receipts, credit card and bank statements and going over them for the last 12 months researching and determining your spending habits. As you go through this exercise break your spending into one of four categories,
- You can do it less often
- You can choose a cheaper option,
- You don't do it at all, or
- You choose not to change your behavior.

You shouldn't make your budget too strict because. if you do the chances of not sticking to it grow considerably.

Tip, as you go through your receipts, bank and credit card statements use different colour highlighters to create a colour coded system to identify where you are spending your money. This will help you plug those leaks. You could use a coded system as below.

· RED = Entertainment,
· BLUE= Mortgage payments
· YELLOW= Household groceries and expenses,
· GREEN=Utilities
· BROWN=Dinners out and coffees

Get the idea? This system works as it lets you identify with a glance where the money is leaking and on what specifically. A small note pad in your pocket is also a great idea so that you can jot down the items you bought that day with its relevant cost so that at the end of the week you can collate the notes and see if you have stayed within your budget. A simple system which works.

Americans and Australians are spending more than they earn, and in Australia alone spending on credit cards has blown out to a massive 40billion dollar debt, that is 40 Billion owed on credit cards alone now that is a very scary figure.

Research shows that the reason people give for getting a credit card is firstly for an emergency and secondly to get a good credit score. Wow there must be compounded emergencies to have a 40 Billion dollar credit card debt in Australia alone!

Before you race off and cut up your current credit cards here is a suggestion. Place your credit card in a jug of water and freeze it, so that now when you get tempted to go to the bargain sale or get something that you are convincing your self that you just must have, you will have to wait till the card thaws out and in that time the urge should have dissipated. Interestingly very few people actually use their credit cards for emergencies.

Resist the urge to pluck a figure out of the air when you are preparing your budget. Go back to the information you have dissected and look at your historical spending and to make it even more simple break it down into two categories,

· Things that you need such as food, shelter, clothes etc and
· Things that you want.

There are certain expenses that you may not be able to do a lot about while there are some that you can. For example review your cable TV subscription. Do you use all of the features and applications that you are currently paying for? If not then change to a lower subscription. Say your current subscription is $100.00, if you change to a $40.00 one this saving of $60.00 can be used to pay down your credit card debt.

Review all your current subscriptions and spending habits and by adjusting as necessary you will find that the savings will pile up without really affecting your current life style. Now that is not so hard is it?

Finally when you are working your budget do it in a time frame that you are comfortable with and can easily manage. Create a weekly and monthly budget allowing for the spikes for items that are billed annually. A method that I have used is taking the yearly items and dividing it by twelve which gives me the monthly amount that I need to budget for. This amount stays in the bank till it is required, earning interest which creates extra income that you currently do not have. That is the power of a well constructed budget.

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How to Work Out a Budget and Stick to It!

Working out a budget for your bills is easy. Working out a budget for everything else seems nearly impossible. I mean, how can you say that you will only spend $30 on fruit and vegetables when they are sold by weights? To do this, you would have to carry a calculator with you when you went shopping and weigh everything before you bought it. This is beside the fact that the price of food seems to be continually on the rise. The same can be said for petrol. If you use 20 litres a week, what do you do when the price changes? You would need to rearrange your whole budget.

The solution to this problem is to budget for the most you think you would spend on these items. This way, if you don't spend as much, you will have saved money that you can then put away for emergencies.

So how do you create your budget in the first place? Many people will tell you to start by writing down everything you spend money on for the next month. What if you want to start your budget now, instead of in a month's time? Also if you have bills that only come every three or six months or even yearly, they won't be included if you work out your budget from just one month of spending.

Let's look at it from a different perspective. The first thing I look at is my regular bills. Things like rent, electricity, phone, insurance, car registration, loan repayments etc. These are all regular bills that need to be paid on time and are generally about the same amount each bill cycle. Therefore, the first step is to write down all of these bills and how much you will have to pay. The next step is to work out a yearly figure for each bill. For those bills that come monthly, you multiply the amount by 12. For three monthly bills, multiply by four and six monthly bills are multiplied by two. Then we need to work out how much these bills will cost us each pay period. If you are paid weekly, you would divide the yearly amount by 52. If you are paid fortnightly, you would divide by 26 and if you are paid monthly, you would divide by 12. This gives you the amount you need to budget for each pay period. The remainder of your pay is then used for food, petrol, normal living expenses and savings. Most people have a general idea on how much they pay each week for these items so that amount is used for your budget.

Now that we have our budget, how do we make sure that we stick to it? The first step is to make sure that our bill money that we are budgeting for is not left in our everyday bank account. The temptation to spend can be too great if the money is easily accessed. I heard about a system a few years ago where you get yourself a folder with plastic sheet protectors in it and have one for each of your bills. Then each week you put your budgeted amount of money into the relevant pockets so that when the bill comes in you just pull out the cash and pay it. The one big flaw with this system is that you end up with a lot of cash in your house. There is nothing to stop you from "borrowing" from your bill money and there is also the risk of having it stolen.

I recommend that you set up a separate bank account for your bill money. This account would ideally not come with an eftpos card but be accessed by telephone and internet banking. Most bills can be paid by bpay so when your bills come in you can pay them directly out of your bill saving account.

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