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Ways to budget when you're broke
- Avoid immediate disaster. Request bill extensions or payments plans from creditors.
- Prioritize bills. See which bills must be paid first and set up a payment schedule based on your paydays.
- Ignore the 10% savings rule. It doesn't make sense to have a savings plan if you are fending off debt collectors.
- Review your spending.
- Eliminate unnecessary expenses. Start with items you wouldn't miss or habits that should change anyway.
- Negotiate credit card interest rates. Call the card company and ask for a reduction in the annual percentage rates (APR).
- Keep a budget journal. Monitor your progress for a few months.
- Seek ways to increase your earnings - working overtime, getting a second job, or doing freelance work.
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Sticking to a budget
Once a budget is set up, it is not always that easy to stick to it. But that doesn't mean you have to give up because you've failed once or twice.
- Remember the big picture. A budget keeps you out of overwhelming debt and help you build to financial freedom.
- ...
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Budgeting myths
- Myth - I don't need to budget: A budget focus on identifying all the expenses that are likely to occur during the month, quarter, and year. A budget can identify costs that could be reduced or cut.
- Myth - I'm not good at math: Budgeting software on...
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Building a budget
- The traditional budget starts with tracking expenses, getting rid of debt, and then building an emergency fund.
- But you can speed up the process by building a partial emergency fund. It will act as a buffer to replace the use of a credit card for e...
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Corporate budgets
Budgets are necessary for running any business efficiently and effectively.
- Budget Development Process. Assumptions related to projected sales, trends, cost trends, and the overall economic outlook is established for the upcoming period. The budget is then published ...
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Definition of a budget
A budget is an estimation of income and expenses over a set time. It is usually drawn up and re-evaluated periodically.
Budgets can be made for a person, a group, a business, a government, or anything else that makes and spends money.
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Understanding budgeting
A budget shows the trade-off made when one item is exchanged for another. The result is:
- A surplus budget, where profits are expected.
- A balanced budget, where revenues and expenses are expected to be equal.
- A deficit budget...
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"Making money is art and working is art and good business is the best art." ~ Andy Warhol
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