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Personal Budgeting Made Simple

Personal Budgeting Made Simple. Rod Wiltrout. By PresenterMedia.com. Why Have a Budget?. Make wise money decisions See where your money goes Make sure everything gets paid: ON TIME! Define essential costs vs. non-essential spending Get rid of your debt Plan for the future

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Personal Budgeting Made Simple

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  1. Personal Budgeting Made Simple

    Rod Wiltrout By PresenterMedia.com
  2. Why Have a Budget? Make wise money decisions See where your money goes Make sure everything gets paid: ON TIME! Define essential costs vs. non-essential spending Get rid of your debt Plan for the future Plan for retirement: it will happen at some point You Need a Game plan! By the way, a $3.00 latte daily is over a $1,000 out of your annual budget. Just a thought…
  3. Budget Parameters: Who are These People? Married Couple Double income No children College debt Credit card debt Car payments Rent
  4. Define your Income
  5. Define your Income
  6. Put in Your Expenses
  7. Put in Your Expenses
  8. Put in Your Expenses
  9. Put in Your Expenses
  10. How Much am I Spending in Each Area
  11. … And You Can Graph It!
  12. Put in Your Expenses So, what do we do NOW?
  13. Fixing Your Budget Everyone has this Problem to Some Extent! Increase Income andDecrease Expenses! Get a second or third job Take out the non-essentials Sell your “stuff” Create a Debt Reduction Snowball!
  14. Reduce Installment Debt
  15. On Just the Student Loan… $40,000, 10 yr., 6% Loan
  16. Now you have the Keys to building a successful Personal budget! Rod Wiltrout rwiltrout@csbc.com (559) 287-7840 cell phone
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