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Another way to budget
By Mark Lambie
Everyone knows that a budget is important for you to help you plan your finances. That way your expenses won't outstrip your income in that way you won't end up with a nasty Read more...
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expenditure
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Another way to budget
By Mark Lambie
Everyone knows that a is important for you to help you plan your finances. That way your expenses won't outstrip your income in that way you won't end up with a nasty surprise.
But how do you properly? What is a good way to that will help you pay your expenses but still keep some money left over at the end of the month to enjoy life a little bit?
One way to is the calendar method. This is how it works. Simply get a copy of the calendar for the following month and get two pens of different colour. With the one coloured pen, write your after tax income on the days that you receive it. For example, if you get paid at the end of the month, write your after tax income on the last workday of the month.
Then, with the other coloured pen, write your average monthly expenses on the days that you typically get
Brown bullish despite £37bn deficit
Gordon Brown delivers an upbeat view of the economy - but admits the UK will have to borrow an extra £10bn.
Letwin attacks 'borrower' Brown
The shadow chancellor accuses Gordon Brown of being the "biggest obstacle" to reform of public services.
Lib Dems criticise 'tax gimmicks'
Lib Dem spokesman Vincent Cable challenges the chancellor to allow an independent body inspect the Treasury's books.
New target for inflation fight
The Chancellor asks the Bank of England to measure inflation in a new way, and announces a lower target of 2%, instead of 2.5%.
Council tax fears spark cash rise
Chancellor Gordon Brown promises town halls more cash in an effort to quell fears of another round of inflation-busting council tax rises.
Euro poll question revealed
Gordon Brown announces the publication of a bill that could pave the way to a possible UK referendum on joining the single currency.
Taxes: Giving with one hand...
A leading accountant gives her verdict on the chancellor's pre-Budget report.
Politics: Taxing times
BBC Political Correspondent James Landale gives his take on Chancellor Gordon Brown's pre-Budget report.
Borrowing: The budget shortfall
Gordon Brown says that economic growth is on target, but warns that the budget deficit will be higher than expected.
Inflation: Changing targets
BBC economics analyst Stephen Coulter takes a look at thge new inflation target set for the Bank of England.
UK home supply way below demand
The UK is now so short of new houses that an extra 39,000 need to be built every year just to keep up with population growth, a key report says.
Q&A: Housing supply review
BBC News Online explains what Kate Barker's review into the causes of undersupply in the UK means.
Call for long-term mortgages
UK home buyers are unaware of the benefits of long-term fixed-rate mortgages, a Treasury review of the housing market finds.
Q&A: Mortgage review
The Miles Review into long-term fixed-rate mortgages has been published. What does it mean for borrowers?
How French avoid costly booms
Fixed rate mortgages are the norm in France, and the French housing market seems less subject to boom and bust.
Brown to slash business red tape
The Chancellor announces plans to cut red tape and widen existing tax breaks as part of an effort to foster an enterprise culture.
Business's guarded reaction
The CBI welcomes much of Gordon Brown's pre-Budget statement - but warns about the outlook for the UK's public finances.
Tax shock for small businesses
Buried in the small-print of the pre-Budget report is a controversial new proposal which could affect 300,000 small businesses.
Chancellor to squeeze wages
Gordon Brown will be squeezing public sector wages and other government spending to get the budget deficit under control.
Promise to support UK films
Chancellor Gordon Brown makes a pledge in his pre-Budget report to back the UK film industry.
Q&A: pre-Budget report and you
What does the pre-Budget report mean for your pension or childcare?
Middle classes lose out
Middle income families will lose out from plans to freeze elements of the tax credits.
Workers receive childcare boost
Employees who receive help with childcare costs from their employers are to receive a tax break, the chancellor announces.
Q&A: Work-based childcare
New tax incentives for work-supported childcare have been announced in the pre-Budget report.
them in the mail or on the days they are automatically withdrawn from your account. For example, if you usually get your telephone bill in the first week of the month, write it in somewhere in the first week.
Creating your this way, with two different colours, helps you see when money comes into your account and when money goes out of your account. It will quickly highlight problems that may occur. For example, if you get paid at the beginning of the month, but all of your bills come out in the last half of the month, most of your money will be spent before the bills come out which will make it particularly difficult to and to pay them off.
Dealing with your many expenses is the next step in your budgeting process. One of the things you may want to consider doing is getting a secured loan to help you consolidate your loans and credit cards and other debts into one easy, fixed monthly payment. Usually by combining all of your debts together into one loan, and usually by making that loan a secured loan, you'll be able to decrease your monthly expenses (which will give you more money to spend how you want) and you will create a fixed monthly payment instead of having several monthly payments of varying amounts.
As you can see, a secured loan is an excellent idea to incorporate into your financial budget.
Mark Lambie is the founder of a website providing free secured loan quotes. Apply today to find out how much we can save you.
www.loan-source.co.uk
Additional
Resources
Centerpiece Cents - Creating a Budget for Your Wedding Centerpiece
By Stephanie Smith
Weddings can be expensive and it doesn't take much for the costs to add up. Your wedding centerpieces don't have to be the cause of more financial stress. With a bit of planning you can have Read more...
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Additional
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Home Business Marketing: Advertising on a Tight Budget
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Copyright © Kevin GrimesHome Business Ideas and Opportunities At KRGEnterprises.netFor small businesses, advertising is as Read more...
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