Tuesday, December 28, 2010

budgeting personal finances




Consumerist Budget Spreadsheet Balances Your Money, Encourages Your Nest Egg





The saving-savvy folks at The Consumerist blog have put together a template Excel spreadsheet for managing personal finances. It's the kind of thing you always say you're going to do, but they went ahead and did it for you, and it's free.

It's not a new thing, but Consumerist's budget spreadsheet, crafted during the days the site was one of our blog network brethren, has come back, after being lost to the vagaries of server maintenance. The site has instructions on setting it up, including tips on thinking through your monthly expenses and advice on how much you should plan on socking away for a rainy day, retirement, and other expenses.


Maybe you use Mint or another automated spending/saving tracker instead—but then again, maybe those tools are so automatic that you don't get a good look at your real money situation.





Automate Your Finances to Spend Less Time Managing Your Accounts





Despite how simple the process can be, most of us are terrible at saving and paying bills. Here's a strategy to effectively automate most of your finances to keep you saving and out of late fee trouble.

Ramit Sethi of I Will Teach You To Be Rich.com has put together a system for managing your personal finances that only takes about an hour of your time each week. The video above fully explains the process in detail, but here's the gist. First, you want to set up your bills and other payments so they're all happening on the day you get your first paycheck of the month (the first of the month for most people). Once you have that in place, you want to set up automatic savings plans (Sethi suggests using Ing Direct) with sub-savings accounts that let you organize your savings into specific categories (vacation, wedding, etc.). You'll also want to send a percentage of your paycheck to your 401k, and have all of this happen immediately so that the money you see when you get paid is the money left when everything has already been saved. From there, you automatically pay as many bills as you can with your credit card (and then pay the credit card bill on pay day). For the bills you can't pay with your credit card (like rent, in most cases), you can use your online banking to automatically issue a check. This will leave a little money leftover in your checking account that you can use to budget for guilt-free spending and cash withdrawals.


As someone who's often fallen victim to the faults of automatic payments systems (despite frequently using them), definitely do not forget to stay on top of your bills nonetheless. Make sure you set some time aside at least once a month to do a little maintenance and make sure there are no bugs causing your automated finance system to break down. Sethi isn't suggesting a set-it-and-forget-it automated finance system by any means, but as someone who hates paying bills I know how easy it can be to procrastinate and ignore the task. If you set up a good automated system like this one, you'll be at a point where all you have to do is watch and fix the occasional problem as the most important things are being taken care of for you.



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Neanderthals Enjoyed Home-Cooked Meals, Study Finds - AOL <b>News</b>

Even Neanderthals understood the value of a diverse diet. Researchers have identified strong evidence that the Neanderthal diet, previously thought to be almost exclusively meat-based, also included a nutritious portion of cooked ...

Fox <b>News</b> - Ratings - 2010 | MSNBC - CNN | Mediaite

Fox News will mark 2010 as one of the best years since the network's launch in 1996. The network posted powerful ratings, beating the combined ratings of CNN and MSNBC and marking the ninth straight year as cable's top news network.

Great <b>news</b>: Congress discovers exciting new ways to earmark « Hot Air

Great news: Congress discovers exciting new ways to earmark.


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Neanderthals Enjoyed Home-Cooked Meals, Study Finds - AOL <b>News</b>

Even Neanderthals understood the value of a diverse diet. Researchers have identified strong evidence that the Neanderthal diet, previously thought to be almost exclusively meat-based, also included a nutritious portion of cooked ...

Fox <b>News</b> - Ratings - 2010 | MSNBC - CNN | Mediaite

Fox News will mark 2010 as one of the best years since the network's launch in 1996. The network posted powerful ratings, beating the combined ratings of CNN and MSNBC and marking the ninth straight year as cable's top news network.

Great <b>news</b>: Congress discovers exciting new ways to earmark « Hot Air

Great news: Congress discovers exciting new ways to earmark.


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Neanderthals Enjoyed Home-Cooked Meals, Study Finds - AOL <b>News</b>

Even Neanderthals understood the value of a diverse diet. Researchers have identified strong evidence that the Neanderthal diet, previously thought to be almost exclusively meat-based, also included a nutritious portion of cooked ...

Fox <b>News</b> - Ratings - 2010 | MSNBC - CNN | Mediaite

Fox News will mark 2010 as one of the best years since the network's launch in 1996. The network posted powerful ratings, beating the combined ratings of CNN and MSNBC and marking the ninth straight year as cable's top news network.

Great <b>news</b>: Congress discovers exciting new ways to earmark « Hot Air

Great news: Congress discovers exciting new ways to earmark.


bench craft company scam

Neanderthals Enjoyed Home-Cooked Meals, Study Finds - AOL <b>News</b>

Even Neanderthals understood the value of a diverse diet. Researchers have identified strong evidence that the Neanderthal diet, previously thought to be almost exclusively meat-based, also included a nutritious portion of cooked ...

Fox <b>News</b> - Ratings - 2010 | MSNBC - CNN | Mediaite

Fox News will mark 2010 as one of the best years since the network's launch in 1996. The network posted powerful ratings, beating the combined ratings of CNN and MSNBC and marking the ninth straight year as cable's top news network.

Great <b>news</b>: Congress discovers exciting new ways to earmark « Hot Air

Great news: Congress discovers exciting new ways to earmark.


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Neanderthals Enjoyed Home-Cooked Meals, Study Finds - AOL <b>News</b>

Even Neanderthals understood the value of a diverse diet. Researchers have identified strong evidence that the Neanderthal diet, previously thought to be almost exclusively meat-based, also included a nutritious portion of cooked ...

Fox <b>News</b> - Ratings - 2010 | MSNBC - CNN | Mediaite

Fox News will mark 2010 as one of the best years since the network's launch in 1996. The network posted powerful ratings, beating the combined ratings of CNN and MSNBC and marking the ninth straight year as cable's top news network.

Great <b>news</b>: Congress discovers exciting new ways to earmark « Hot Air

Great news: Congress discovers exciting new ways to earmark.


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Neanderthals Enjoyed Home-Cooked Meals, Study Finds - AOL <b>News</b>

Even Neanderthals understood the value of a diverse diet. Researchers have identified strong evidence that the Neanderthal diet, previously thought to be almost exclusively meat-based, also included a nutritious portion of cooked ...

Fox <b>News</b> - Ratings - 2010 | MSNBC - CNN | Mediaite

Fox News will mark 2010 as one of the best years since the network's launch in 1996. The network posted powerful ratings, beating the combined ratings of CNN and MSNBC and marking the ninth straight year as cable's top news network.

Great <b>news</b>: Congress discovers exciting new ways to earmark « Hot Air

Great news: Congress discovers exciting new ways to earmark.


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Neanderthals Enjoyed Home-Cooked Meals, Study Finds - AOL <b>News</b>

Even Neanderthals understood the value of a diverse diet. Researchers have identified strong evidence that the Neanderthal diet, previously thought to be almost exclusively meat-based, also included a nutritious portion of cooked ...

Fox <b>News</b> - Ratings - 2010 | MSNBC - CNN | Mediaite

Fox News will mark 2010 as one of the best years since the network's launch in 1996. The network posted powerful ratings, beating the combined ratings of CNN and MSNBC and marking the ninth straight year as cable's top news network.

Great <b>news</b>: Congress discovers exciting new ways to earmark « Hot Air

Great news: Congress discovers exciting new ways to earmark.


bench craft company scam

Neanderthals Enjoyed Home-Cooked Meals, Study Finds - AOL <b>News</b>

Even Neanderthals understood the value of a diverse diet. Researchers have identified strong evidence that the Neanderthal diet, previously thought to be almost exclusively meat-based, also included a nutritious portion of cooked ...

Fox <b>News</b> - Ratings - 2010 | MSNBC - CNN | Mediaite

Fox News will mark 2010 as one of the best years since the network's launch in 1996. The network posted powerful ratings, beating the combined ratings of CNN and MSNBC and marking the ninth straight year as cable's top news network.

Great <b>news</b>: Congress discovers exciting new ways to earmark « Hot Air

Great news: Congress discovers exciting new ways to earmark.


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Neanderthals Enjoyed Home-Cooked Meals, Study Finds - AOL <b>News</b>

Even Neanderthals understood the value of a diverse diet. Researchers have identified strong evidence that the Neanderthal diet, previously thought to be almost exclusively meat-based, also included a nutritious portion of cooked ...

Fox <b>News</b> - Ratings - 2010 | MSNBC - CNN | Mediaite

Fox News will mark 2010 as one of the best years since the network's launch in 1996. The network posted powerful ratings, beating the combined ratings of CNN and MSNBC and marking the ninth straight year as cable's top news network.

Great <b>news</b>: Congress discovers exciting new ways to earmark « Hot Air

Great news: Congress discovers exciting new ways to earmark.


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Neanderthals Enjoyed Home-Cooked Meals, Study Finds - AOL <b>News</b>

Even Neanderthals understood the value of a diverse diet. Researchers have identified strong evidence that the Neanderthal diet, previously thought to be almost exclusively meat-based, also included a nutritious portion of cooked ...

Fox <b>News</b> - Ratings - 2010 | MSNBC - CNN | Mediaite

Fox News will mark 2010 as one of the best years since the network's launch in 1996. The network posted powerful ratings, beating the combined ratings of CNN and MSNBC and marking the ninth straight year as cable's top news network.

Great <b>news</b>: Congress discovers exciting new ways to earmark « Hot Air

Great news: Congress discovers exciting new ways to earmark.


bench craft company scam

Neanderthals Enjoyed Home-Cooked Meals, Study Finds - AOL <b>News</b>

Even Neanderthals understood the value of a diverse diet. Researchers have identified strong evidence that the Neanderthal diet, previously thought to be almost exclusively meat-based, also included a nutritious portion of cooked ...

Fox <b>News</b> - Ratings - 2010 | MSNBC - CNN | Mediaite

Fox News will mark 2010 as one of the best years since the network's launch in 1996. The network posted powerful ratings, beating the combined ratings of CNN and MSNBC and marking the ninth straight year as cable's top news network.

Great <b>news</b>: Congress discovers exciting new ways to earmark « Hot Air

Great news: Congress discovers exciting new ways to earmark.


bench craft company scam

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