Step Pad
Step Pad My Dancing with the stars dance pad doesn't work? I just bought dancing with the stars game but the pad when i step on the pad the pad buttons don't work for some reason, what should i d...
Step Pad
5 Proven Steps to Budget Motivation
If you ever wanted to get ahead Financially ... if you ever Thought You Wanted to get out from under a sea of Debt ... if you Where the money ever went Wonderer ... YOU NEED A BUDGET! But how do you Develop a good budget and how do you stick with it?
Developing a Workable Budget
Review your last 12 months of check registers. If you find cash Any Other Withdrawals Without an explanation than "miscellaneous", you must record all cash Transactions for the next 30 days. It is imperative ALL That You Know Where money goes.
You Can Insure account for Each of the last 12 months of deposits Written in
register your. If not, find What They are out. You must know all incoming Monier.
Beginning at the top in the left hand column of at least 4 column note pad,
Income source write all labels down the column - ie INCOME: Wages, Bonuses, Other, Total Income, etc. Below this enter the Obligations found in the check registers Such as: Mortgage / Rent, Food, Insurance, Utilities, Phone, etc. Do not forget Periodic Expenses Such as: Home or Auto Repair, Other Transportations, Entertainment, Gifts / Donations, Healthcare, Property or Other Taxes.
Leave a couple spaces labeled "Miscellaneous" and "Total Expense."
Find the payments "Have you made in the check registers for Each expense.
Enter the amount on your budget pad column 2. For irregular Amounts take a three or more month total and divide by the total months. For semi-annual or annual Expenses divided by 12 or 6 to get a monthly amount.
At the top of your budget pad, label the Other Two columns ... "Actual Expense" and "Difference."
At the end of Each month, enter the total current for Each expense.
Determine Difference between the current and budget column column.
If There Is a Difference Either adjust the budget or determine a way to reduce this
item.
Motivation To Stay On A Budget
Step 1: Write down Specifically What are you trying to do and by internal waters. It must have for a concrete time frame, it must be Written down, and it must be specific and realistic. For example Wanting "more money" is Not the same as "10% Increase over last year by October first."
Step 2: What are the Obstacles? What are your inadequacies? What do you Need to Get there That You Do not Already Have? What is it that's blocking you? Why Are not You Already there?
Step 3: Write a plan to Overcome EACH obstacle. List your action steps 1 ... 2 ... 3 ... etc. For Each obstacle from above. Be as specific as possible. What will it take to get you Past the obstacle blocking you from That Is What You Want?
Step 4: List the Benefits to you. There is no such thing as something for nothing. You must replace a thought process and Resulting action with a new thought process Desired That will produce a result. There to benefit must be derived and Meaning of Sufficient value to you alone to be worth the effort delivery NECESSARY to do this and to Overcome the resistance to change.
Step 5: Is it worth it? Answered This question must be very Carefully and honestly. If the answer is yes, do it and DO IT NOW! However, if the answer is no, if the benefit derived can not muster the desire to Overcome the obstacle, Have you three choices:
Change the goal thereby Reducing the obstacle;
and / or Increase the benefit to make it more Meaningful.
Drop The Entire issue and get on with your Life Without feeling guilty.
Bonus Step: If you really want to stay motivated you will Have to Reinforce your efforts-through Affirmations or self talk. In A Few places around the house, place a simple statement of What you are trying to do and repeat the statement as Often as possible. Often The more you do it the faster the process.
Readers Probably will be interested to know Mike, the author of this article, Also Offers a free Debt Elimination mini-course via e-mail. You Can enroll at Debt Free In 7.5 Years.
About the Author
Mike has been an Internet Guide/Writer in the field of Credit/Debt Management for over 10 years. His site was awarded Best Of Net by Forbes Publication from 2000 to 2005 with site visitation doubling to over 500,000 average views per month in the last year.
He has also offered debt elimination seminars to businesses and community colleges for the last 9 years, and has written for several publications, and has been interviewed on the radio a number of times.http://learncreditmanagement.com/