Budget Building Tools That You Can UseWritten by Simon Harris
Many people dread task of building a budget because they view it as overwhelming and frustrating. But it will make job easier if you look at it in another light; an important tool to financial freedom. Does it feel as though there is no way to get out of red and into black, much less plan ahead for retirement or a vacation? Are you tired of getting paid on Friday and being broke on Saturday? Do you have piles of useless junk that you wish you’d never bought? If this sounds like you, we’ve got good news! There is a lot of help out there for you in different formats and you will be able to choose which one suits you best.
One option is to use software like Quicken or Microsoft Money—they are both great options and tools for budgeting. Money management software will take you through steps and allow you to create or add to categories of spending so you will be able to look at annual picture. It will then break down what you need to look at every month so that you can be prepared. This software helps with your budget because it lets you see your money all in one place, as well as giving you prompts when it’s time to pay your your bills. In fact, some programs will enable you to have payments automatically deducted from your bank account. This is a great feature if you’re trying to build your credit report!
As you spend money, you will be able to change categories; this will allow you get a better picture of where you need to cut back, or where you need to invest more. Many money management software programs often also have companion websites where you can set up an account and further manage your budget or investments.
Arizona Real EstateWritten by Tracey Lee, Service First Realty
Over past year, I've watched cost of housing in Phoenix Metro Area increase by an average of 40%. New reports that we continue to rise at a rate of 6% per month. Real estate continues to be best investment possible. I have