Now is the time

If you want to get your budget started, why now start now?  Its the perfect time.  The year is winding down.  You might want to get things in order to take care of those credit cards you used for Christmas or to start planning ahead for next Christmas.  Most people make New Year's resolutions...this could be yours.  Start 2012 with a head start on your finances and fill your loafers with confidence in your abilities to manage your money better.  Be proud of yourself for finally starting that savings account or getting a new car by planning your budget well. 

There are a million reasons (okay, maybe not a million) why you would want to start a budget.  If there is something holding you back, figure it out and dig your heels in to set a pace for a new way of planning your life...start your budget now! :D

Budgeting your way

Paper budgets used to be the way to go.  Hanging out in an office or on your desk at home plugging numbers into the old ledger an using your calculator or 10-key to bring the numbers home.  I used to do my budgets this way back before I had a computer.

Budget fail

I have become increasingly aware of how difficult it is for most people to budget their money.  After having listened to many different people and reading a lot of blogs/Facebook posts, it is clear that there are a few reasons why people fail at budgeting.

Why Budget?

I am not a professional accountant nor am I a financial adviser.  The information that you see on my blog is strictly gained by years of working in corporate finance, experience with friends and family as well as my own personal experiences being a single mother.

There are many reasons why someone would want to make a budget:  saving for a trip/car/college, saving for retirement, getting a better handle on your finances, and the basic need to have all bills paid on time.  When making a budget, it is important to know why you want to have one.