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    Smart Finance Guy's Budget Guide
    Smart Finance Guy's Budget Guide
    Smart Finance Guy's Budget Guide
    Ebook57 pages17 minutes

    Smart Finance Guy's Budget Guide

    By Paul Davenport

    ()

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    About this ebook

    Are you living a pay check to pay check life? Are you struggling to get out of debt? Can’t save money at a rate you think you should be? Have you always wondered how to budget? Are you a budgeter already but need help to improve?

    The Smart Finance Guy’s Budgeting Guide answers all the questions you’ve been too afraid to ask – or didn’t even know you needed to.

    Money sense is not something that you are taught in school and can be difficult for parents to share with their children. Very often people go into the big wide world with limited ideas on how to manage their personal finances effectively and efficiently. They then stumble around to find a workable method, making mistakes and losing time (& money) on the way.

    The Smart Finance Guy’s guides aim to give you action-oriented steps to develop your money sense. They break items of personal finance into bite-sized chucks so you can focus on the areas most relevant to you. All guides are written concisely to minimise the amount of time you need to dedicate to them. If you are looking for all the answers in once place – the

    Smart Finance Guy’s guides are the place to head.

    The budget guide will help you get your finances in order.

    The budget guide follows a five step approach, where you are walked through each part of a simple process. Each chapter summarises exact steps to be taken to get your budget in order in the form of action summaries.

    Chapter breakdown
    1.Basic Approach
    2.Step 1 – Create a Budget Document
    3.Step 2 - Selecting Categories
    4.Saving – an introduction to buckets
    5.Step3 – Complete your budget
    6.Step4 – Balancing your budget
    7.Step 5 – Track & Analyse
    8.Repeat
    9.Using Saving Buckets
    10.Taking it to the next level
    11.Tips

    This guide is brought to you by SmartFinanceGuy.com the website which aims to teach you to keep your personal finance simple but smart for you.

    LanguageEnglish
    PublisherPaul Davenport
    Release dateSep 28, 2012
    Smart Finance Guy's Budget Guide
    Author

    Paul Davenport

    Music is an important part of several of Paul Davenport’s readers, e.g. Rapping for Shelly, King of the Rappers or Kevin not Alone. Paul comes from a musical family. One of the happiest memories of his youth is the regular ‘jam sessions’ with his father, Paul on alto sax, his father on the piano. Paul enjoys a wide range of music styles including pop, rap, country, disco and rock and roll, including songs by German artists. After completing his postgraduate studies, he moved to Germany, where he’s been living with his wife and family ever since. The roots of his writing career go back to the stage plays he wrote for his English classes to perform. One of them, The Royal Choice, became his first publication, in 1996. Four years later, he wrote the first of his many school readers. A highlight in his writing career was when his story Crossroads to Love’ became a finalist in the Extensive Reading Foundation’s contest for reader of the year 2007. The second highlight came a year later, 2008, when another of his stories, Horror Trip on the Pecos River was named the winner of that same contest! Paul’s hobbies include reading, table tennis and fly fishing. He sometimes misses the trout fishing in northern Maine, where he grew up. He still has his alto sax and, from time to time, takes it out and plays a tune or two.

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      Book preview

      Smart Finance Guy's Budget Guide - Paul Davenport

      Smart Finance Guy’s Budget Guide

      Guide to Improve Your Finances Through Budgeting Better

      Or

      Everything Your Daddy Never Told You About Budgeting

      by Paul Davenport

      Copyright 2012 Smart Finance Guy

      Smashwords Edition

      www.smartfinanceguy.com

      Smashwords Edition, License Notes

      This ebook is licensed for your personal enjoyment only. This ebook may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then please return to Smashwords.com and purchase your own copy. Thank you

      Table of Contents

      Introduction

      Basic Approach

      Step 1 – Create a Budget Document

      Step 2 - Selecting Categories

      Saving – Introducing Saving Buckets

      Step 3 – Draft your budget

      Step 4 – Balancing your budget

      Step 5 – Track & Analyse

      Repeat

      Using Saving Buckets

      Taking it to the next level

      Tips

      Appendix

      Introduction

      Budgeting is a crucial life skill that can have a huge impact on your happiness and financial security.

      Like the sniffles being a symptom of having a cold, being constantly worried about your spending and financial situation is a symptom of not managing your available money appropriately.

      Lessons Not Learnt

      Budgeting as a skill is generally never taught.

      I went through 16 years of formal education before entering the work place without any idea of how to manage my personal finances. Over the next three years I managed to double my student debt with thousands of additional credit card debt as I lived well, but outside my means. 

      The most worrying aspect of the situation was that I was training to be an accountant! I was learning to advise companies on financial affairs but not remotely looking after my own.

      I was earning a good salary but had no savings and growing credit card debt. There was no way

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