According to MarketWatch, one out of two Americans feels concerned or anxious about their personal finances. Why? There is a multitude of reasons. A lot of people have none or very little money saved up for emergencies, plus, the majority of them have substantial student loans and credit card debt. Nevertheless, a lot of issues could be prevented if these people knew how to budget.
It might seem simple: you receive this amount every month, and you spend that amount. But do you actually know where your money goes? By paying just a little attention to tracking your payments, you might realize you overspend on unnecessary things and find ways to save that you never noticed before.
A survey by Gallup shows only one third of households in the US plan their finances and stick to the budget every month. In this personal finance course, I will teach you to do it too!
A building block for your financial future
In 2008, the world was hit by a financial crisis, and I have personally seen a lot of people struggle. They had not planned ahead, and the loss or shrinkage of income affected them in tremendous ways. To help people handle their money smarter and prevent similar disasters, I have started to consult people on how to budget.
By planning your finances, you can save without needing to restrict yourself too much, and be ready for whatever comes your way, be it an emergency, a vacation, or retirement. Therefore, understanding how to budget is truly a crucial skill for any individual or household.
Simple enough for every family
When asked why they do not plan their household budget, a lot of people say it is just too complicated for them. However, it is very likely they never tried. The truth is, you do not need any particular skills or software. I will explain how to make a budget spreadsheet step by step – all you will need is a little time and dedication.
Being able to plan and track your income and spending will give you control over your personal budget that you need to feel comfortable. Not only will you learn how to make a budget spreadsheet, but you will also find out how to make your money work for you, invest and save for retirement! As you learn how to budget step by step, you will see it is not that hard – however, your life will change immensely!
Why it is worth to take a personal finance course
The video lectures I have prepared will not take a lot of your time. Nevertheless, it will give you a solid foundation of understanding how to budget. As soon as you get the basics down, it is simple enough to become a monthly habit and even a regular evening activity for the whole family.
No matter your income, making a financial plan and sticking to it is a feasible task – let us start working for a prosperous and no stress future now!
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