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Creating A Budget: Easy Personal Finance Tips Every Women Should Know

You might have experimented with make a budget and was unsuccessful. Or perhaps you have just never considered following a good budget before. Regardless of what your life-circumstance is right now, building a household budget may seem intimidating. However, it’s actually not that difficult to make a workable household budget! In case the whole thought of creating a budget seems too much to handle to you personally, take it one step before starting. Don’t make an attempt to complete all of the procedures in one sitting. Instead, reserve an hour for each activity listed below to generate a straightforward budget.Work on getting your information together. Pull together all of your paperwork, including paycheck stubs, checkbook, bank statements, charge card statements, costs, and any receipts you have. If you haven’t taken this stuff out of their envelopes, now’s an excellent occasion to accomplish this! Get all that you have together in one place. Don’t bother about sorting it now or making sense of it. Just get those little pieces of paper altogether in one place.

What are you bringing in each month? On a piece of paper, list your current income. This consists of income from job, tips, house-sitting,babysitting, selling things on eBay, a part-time job, stock dividends, interest, etc. for an typical month. For people who have infrequent income because you don’t have a regular paycheck (such as a commission based job for example), take your  best guess at what you earn in a normal month. Don’t forget to figure on the lower end when you have irregular income. Overestimating your pay won’t help your financial budget by any means. It would only hurt you!

What’s going out? This list is typicallya lot longer versus previous one, unfortunately! Making use of your paycheck stubs, bills, bank statements, and charge card statements, list your expenditures typical month in two columns: Set Expenses and Variable Expenses. Your fixed expenditures normally include payroll deductions, rent or mortgage loan, property taxes, insurance policy, automobile payment, power bills, credit card payments, and savings account. Your discretionary bills would normally can include food, fuel, dining out, clothes, hair care, memberships, and entertainment. After you’ve done this you will now see where the funds are going each month.

After you have figured your income and expenses, you can now see the difference between the two.  Compare your pay to your monthly expenses. Think you are spending more cash than you make every month? Are your charge card payments a considerable part of your permanent expenses? Have you got “miscellaneous” expenditures in your discretionary costs side from the list? If that’s so, get into a habit of documenting your spending. Likelihood is, you’ll find you’re blowing $5 or $10 on lunch or on stuff you don’t even recall purchasing. If you’re out of balance (you’re spending a lot more than you’re making), you have two choices: spend less or make more. Keep re-thinking your spending until you have a workable budget – one in which the “money in” side is equal to the “money out” side and you’re reducing the debt. The goal, of course, is to bring more money in that you are spending each month.

Adhere to the plan! This can be the hardest. It’s easy to write out a budget on paper, but it’s much tougher to say no if the office group is going for margaritas after work on Friday and you’ve already depleted your fun money for that week. Remind yourself that budgets are just like diets: If you splurge in one location, you must replace it elsewhere, or you’ll have to suffer the consequences. Once you know where your budget is leaking, you  can switch off the faucet! When you are serious about creating a budget that sets yourself the road to financial reassurance, there are numerous good money management and budget sources there for use.

Take a look at my website for more information on personal finance, check out more my budget bootcamp with tons of great personal finance tips for women!


New Directions and Changes in 2010

New blog post on my site here.

Stay tuned

I’m working on my new site

Please stand by as I’m doing a lot of this by trial and error!

Please click for animal rescue

Hi, all you animal lovers! The Animal Rescue Site is having trouble getting enough people to click on it daily so they can meet their quota of getting FREE FOOD donated every day to abused and neglected animals. It takes less than a minute (about 1 second) to go to their site and click on the purple box ‘fund food… for animals for free’. This doesn’t cost you a thing.
Their corporate sponsors/advertisers use the number of daily visits to donate food to abandoned/neglected animals in exchange for advertising. Here’s the web site! Please pass it along to people you know. Click daily! Please click HERE and thank you!!

New Home Photos

Just wanted to share a few pictures of my new home. I didn’t get any of the backyard or garden area yet, but I will post soon!

The third bedroom is set up for the baby the previous owners have, I will use that for my spare room. I have 3 bedrooms upstairs so I think I’ll make one of those rooms into a yoga room, which I’ve been waiting to do!!!

More pictures to come!

Shameless Plug

Hello Readers!

I am still in the process of moving, I forgot how bad it was to move!

I wanted to let all of my readers know I have recently become a Shaklee distributor. Don’t worry, this blog will not turn into me trying to sell you Shaklee products!! I had some health issues in the past 6 months and with some changes in my diet and Shaklee vitamins, I feel like a new person!!

If anyone is interested in learning more about the Shaklee products or business opportunity, please feel free to contact me through the blog or by email jennykerr at gmail dot com.

My website is:

You can also fan me on facebook here

I have some special incentives for my blog readers so please contact me to learn more 🙂

I hope to be moved and settled by the end of Feb 2010 so the blog will resume then! Just in time for spring and gardening, I can’t wait!


I’m ashamed its been since August that I last posted! I have had my condo for sale and spent most of the fall/winter trying to downsize things so  I didn’t have to move anything extra when it sold! I have slacked off on coupons. I have paid full price for things. I have been disorganized. What is wrong with me!!!

I don’t do well with disorganization. I have mentioned many times on this blog that if I’m not organized, I might as well not even bother going shopping because it won’t be a good trip! That is how my life has been for the past few months.

I will be moving at the end of January 2010 and taking a little time to regroup. This blog will be taking a different direction in 2010, I’be been thinking about it for awhile now and I finally have the tools to put it in place.

Stay tuned for more in 2010, there are many good things to come!