Wednesday, October 12, 2005
What Kind Of Budget Do You Have?
I have been cruising on ignorance for a long time now. Last night I put my monthly expense into an Excel spreadsheet. I was surprised at how much we are spending each month. We are not in trouble but we could be very easily if we don’t start paying closer attention to our finances. I think we really need to keep watch on our money ON PAPER.
Do you know where your money is going each month? Sit down and write it down. List every item you spend money on and total it up. Next, take a small notebook with you everywhere you go and write down anything you spend. That means $1 for a soda, $3.50 for a latte, 25 cents in a gum ball machine and any other amount you spend whether is it large or small. Do this for a week, then continue for a month. It is surprising how much "little things" eat into your finances.
After putting my finance on paper last night, I also need to do the daily spending exercise. I need to know exactly where my money is going. I need to close any doors it is flowing out unchecked. I think I will be surprised at where we stand and how much money is going where.
The answer to this common problem of watching your money because you don’t have enough is to earn more so you can "watch you money" grow instead of watch it go. As I have told you in the past, my answer is to generate more income through Internet marketing. Yours may be to get a higher paying job. With gas and winter fuel prices rising, an increase in income is really needed by many people who will be hurting before winter is over.
If you have been reading my blog, you know the programs I have recommended for learning to make an income on the Internet. Here are the main programs I am using. There are others but these are the main ones.
If you are a beginner and want to create a website, but know nothing about how to go about it, Site Build It is for you. It take the technical part out of building and making money on a website. This is by far the easiest program I have purchased. In addition to the simplicity of building sites, it have some fantastic tools for you to use to get the best site you are cable of and to make the most money off of it. The great thing is that it automates what you are doing. Get this free how to manual. You can do it without buying their system. Get your copy at Site Build It Free Manual
One of the next programs I bought was James Martell’s Course. This course is a more hands on course, but is still aimed at fairly easy website building using Frontpage as the main program for building your website. It does not require Frontpage if you know how to build pages in other programs, but its main direction is to build pages in Frontpage. It is an easy read with fairly good instructions. Check it out at James Martell
Next I purchased Corey Rudl’s course. Corey was killed in an auto accident this year, but his company continues on. This course is very good and very detailed in all aspects of developing your online business. I am very impressed with this course. It is not a fast read and will take time to get through the two binders of information he offers. This course requires you to have more patience as you “learn the ropes”. You will get started more quickly with the previous two courses, but you won’t have a detailed knowledge as with Corey’s course Corey Rudl's Course Corey is more hard sell on his site, but his material is excellent. Unlike the others, he sends you hard copies of his manuals and CDs
The next course I purchased is Rosalind Gardners’s course. She has done an excellent job of showing you how to build an online business. I am 2/3 of the way through reading her material. I think I would buy her course before I would buy the James Martell course. She offers better examples and is easier to understand. You can check out her material at Rosalind Gardner I really like the way she writes and the information she offers.
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