Personal Budgeting

Finances can be the bane of your life. They can make, what once used to be a happy life, miserable. Through my own experience with personal budgets I can give you insight into what would work best for making sense of your finances and developing a budget that fits your wallet and your lifestyle needs. I’ve applied the Dave Ramsey theory to my own life and it’s made what could have been the most miserable year of my life financially manageable.

My goal in offering this service is to bring financial peace of mind to your lives.  The hardest step is actually being able to sit down and say yes that is an area that I spend too much money in. I’ll start by helping you go through your checkbook and credit cards and figure out where the money is being spent. We will find that “Ah ha that’s why I don’t have anything left at the end of the month!” Then we’ll break that down into a budget.

Does any of this sound familiar?

– You spent HOW much money on WHAT???

– The money I/we just earned is already spent before it even enters our home.

– What vacation? We don’t even have enough money to cover our necessary bills.

– Thanks to what you bought we just got hit with an overdraft fee.

As odd as it sounds when you’re struggling to make ends meet, it can save you money in the long run to bring an unbiased person into the mix and help you set up a budget. Having someone to be accountable to also helps people have the stick to it attitude they need in making such big changes. I’ll apply the techniques I’ve learned through Dave Ramsey and help you live on less then you earn, and build emergency savings and retirement funds.

Dave Ramsey is a well known radio show host that believes in living on less then you earn and in the end living as no one else lives, DEBT FREE. His very first step, after figuring out where the money’s going and setting up a budget, is having $1000 in the bank for an emergency fund. Without fail emergencies come up, especially when you’ve finally made the decision to get finances under control. Then Murphy’s Law seems to enter the picture. That $1000 in the bank helps keep Murphy under control. Often extra is being made on credit card payments to try and pay them down. Rather then paying extra, stash that extra in a savings account and the $1000 will build up fairly quickly.  Then comes the debt snowball, where we start to pay off your debts. This gives you the first step of the process I’ll take in helping you to get finances under control and getting you to the point where you’re DEBT FREE.

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