Author: robert

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DOWNLOAD GOOGLE TEMPLATE DOWNLOAD EXCEL TEMPLATE Do you ever wonder where your money goes each month? A household budget will allow you to tell your money where you want it to go, making it one of the most effective financial tools available. Even still, only 41% of Americans use a budget.  Regardless of your income, […]

veteran tips

Using an Excel spreadsheet may seem a little old-fashioned, but it is still one of the best tools in helping you make – and stick with – a budget. The Excel budget template takes something that can appear intimidating at first, and makes it simple for anyone to get started. Because getting started is often […]

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COPY GOOGLE SHEETS MONTHLY TEMPLATE COPY GOOGLE SHEETS ANNUAL TEMPLATE Budgeting doesn’t need to be complicated and it doesn’t take more math than simple addition and subtraction. This template is a great starting point for the uninitiated budgeters out there and a good way to start fresh for any wary veterans. Here are a few […]

boy on beach sitting on soccer ball

As parents, you are responsible for the upbringing of your children. You influence their behavior, their interests, their decisions, and so much more. Yet, one area that often gets overlooked is teaching your kids about money. The truth is your kids will learn to manage money from someone. That could be intentional lessons you provide […]

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Simple savings calculator You can experiment with savings goals and timing using our simplified interactive calculator. Over time, the US stock market has returned 6-7%. Completely “risk-free” returns as of this writing are between 2.5-3% for 1-5 year CDs and bonds. These interest rates should give you some idea what to try for your savings […]

veteran tips

Free budget planner Here’s a free tool that helps you get started with budgeting, but don’t get down if you don’t know the exact numbers. Try to get in the ball park now and fix the numbers as you gain experience with your spending and expenses. It’s always OK to change the budget and be […]

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You can also use the calculator in full screen. Free budget calculator This is a great place to get started visualizing and understanding your monthly budget. It isn’t important to make the most complete or the best budget possible the first time out. It’s critical to just get started. Getting started with budgeting We have […]

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What is budgeting? Budgeting is different from accounting. Accounting is registering what happened with money. Budgeting is understanding your priorities and values and assigning your money to those before you spend it. Figuring your values and priorities is usually a worthy exercise, but looking at what you’re actually spending towards them is highly enlightening and […]

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  This is a simple budgeting concept intended to provide maximum simplicity and minimal uncertainty especially for those new to budgeting or renewing a commitment to taking care of their personal finances. These numbers serve as rules of thumb that can help you get started budgeting. 50/30 for needs and wants are maximum numbers. Ideally […]