BUDGET BEFORE COLLEGE AND UNIVERSITY

YOU KNOW ALL THE MONEY YOU SPEND ON THINGS.   IF YOU PUT BUDGETING  INTO PRACTICE NOW, JUST IMAGINE HOW MUCH MONEY YOU WILL HAVE BEFORE YOU FINISH HIGH SCHOOL OR GO TO ANY EDUCATIONAL INSTITUTION OF HIGHER LEARNING.

 

 

 

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Start now so that you don’t have to pay for it later on in life.

BENEFITS OF A BUDGET

Since budgeting allows you to create a spending plan for your money, it ensures that you will always have enough money for the things you need and the things that are important to you. Following a budget or spending plan will also keep you to get out of debt or help you work your way out of debt if you are currently in debt.

The Benefits Tips:

1. Control Your Money – Budgeting saves you the stress of suddenly having to adjust to lack of funds because you did not initially plan how to spend them. A budget is a guide to being intentional about the way you spend and save your money. It is said that with budgeting, you control your money and not your
money controls you. It also helps you decide if you want to sacrifice short term spending like buying coffee every day in exchange for a long term benefit like paying of debt or planning for a future vacation.

2. Keeps you focused– You avoid spending unnecessarily on items and services that do not help attaining your financial goals. If you are working with limited resources, budgeting makes it easier to make ends meet. This is real and it tough but you have to stick to it.

3. Awareness of Expenditures – With budgeting, you are clear on what money is coming in, how fast it goes out, and where it is going to. Budgeting saves you from wondering every end of the month where your money went. A budget enables you to know what you can afford, take advantage of buying and investing opportunities, and plan how to lower your debt. It also tells you what is important to you based on how you allocate your funds, how your money is working for you, and how far you are towards reaching your financial goals.

4 Organize your spending and savings – By dividing your money into categories of expenditures and savings, a budget makes you aware which category of expenditure takes which portion of your money. That way, it is easy for you to make adjustments. Budget also serves as a reference for organizing your bills, receipts, and financial statements. When all of your financial transactions are organized for tax time or creditor questions, you save time and effort.

5. Makes you decide in advance how your money will work for you. You will plan and track your spending more closely. Is the item necessary or do I have to plan for it.

6. Saving for and unexpected costs – Budgeting allows you to plan for emergency costs.

7. Enables you to Communicate About Money – Creating a budget with your spouse will avoid conflicts and resolve personal differences on how your money is spent. This promotes teamwork on working for common financial goals and prevents conflict on how money is used. If you share your money with your spouse, family, or anyone, a budget can communicate how you use money as a group. Budgeting teaches family members spending responsibility and accountability.

8. Early Warning for Potential Problems – When you budget, you will see potential money problems in advance, and be able to make adjustments before the problem appears.

9. Budget Realities – Taking debt is not necessarily a bad thing if the debt is necessary or you can afford it. Budgeting shows you how much a debt load you can realistically take without being stressed or if taking the debt load is worth it.

10. Produce Extra Money – In budgeting, you get to identify and eliminate unnecessary spending like late fees, penalties and interests. These seemingly small saving can add up over time.

This has help me enormously,  I am sure once you create a budget that you will say, “why didn’t I do this years ago”.   It’s been working for me… you just have to stick to it.  I watch my spending like a mad  hatter.   When you living frugal and trying to pay on a tight budget you will change your mindset after you do this.