A Guide to Creating the Most Appropriate Budgets for You
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Narrated by:
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Nikki Lynch
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By:
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Jim Stephens
About this listen
Nothing is more desirable than being able to manage our money effectively. After all, the money we wish to manage is frequently hard-won. This is where a budget enters the picture. A correctly implemented budget should enable you to know where your money is going, maximize the utility of each dollar, and save some extra for future use.
The first wise budgeting secret is to establish a goal. What are your objectives? Do you wish to properly allocate your revenue toward bill payments? Do you wish to set aside funds for a large purchase or investment? By establishing a goal, you may mold your budget to best fit your interests.
Second, you'll want to keep track of where your money goes on a regular basis. This comprises bills, significant but routine purchases (such as groceries, health care, and the like), and daily miscellaneous expenses. Only once you've documented where your money often goes will you be able to determine which expenses you may eliminate. Once you've identified these ongoing expenses, explore where you might reduce back. How much do you spend on your morning caffeine fix? What percentage of your income do you spend on newspaper delivery to your front door? The meager two-dollar or five-dollar cost of these modest purchases adds up to more than $3,600 every year! Rather than purchasing a pricey cappuccino or newspaper on paper, set away the amount you would normally pay for these tiny recurring expenditures in a small container. You'll be astonished at how much money you're saving over the course of your previous budget.
Being in debt is a self-perpetuating cycle in and of itself. You're dealing with ongoing payments, not to mention exorbitant interest rates. The best course of action is to pay the bare minimum on all of your bills in order to avoid incurring more late penalties. Whatever financial surpluses you may have, you might choose to increase your payments on your largest debt. This manner, you're concentrating your efforts on accumulating the largest loans first, which have the highest interest rates. By taking this step by step, you'll be shocked at how much money you'll save on your massive bills.
The final and most critical stage is to note down how much money you earn and how much money you spend. You can utilize computerized cash management applications or create your own database sheets. Create a method that works for you and assists you in monitoring your monthly budgeting progress.
©2022 Jim Stephens (P)2022 Jim StephensListeners also enjoyed...
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Your Money Map
- A Proven 7-Step Guide to True Financial Freedom
- By: Howard Dayton
- Narrated by: Howard Dayton
- Length: 3 hrs and 35 mins
- Abridged
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Are you going in financial circles? Do you need directions? Finding your financial goals through all the options and dead-ends in today's marketplace can be confusing, and you might get lost without a map. In this audiobook, Howard Dayton provides a simple road map for organizing your finances through life and reaching your financial destination.
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Money map review
- By Carrie on 01-02-08
By: Howard Dayton
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Made in America
- By: Bill Bryson
- Narrated by: William Roberts
- Length: 18 hrs and 10 mins
- Unabridged
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In Made in America, Bryson de-mythologizes his native land, explaining how a dusty hamlet with neither woods nor holly became Hollywood, how the Wild West wasn't won, why Americans say 'lootenant' and 'Toosday', how Americans were eating junk food long before the word itself was cooked up, as well as exposing the true origins of the G-string, the original $64,000 question, and Dr Kellogg of cornflakes fame.
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Bryson Not Reading Makes For a Rare Fail
- By John on 02-28-14
By: Bill Bryson
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Ranger Confidential
- Living, Working, and Dying in the National Parks
- By: Andrea Lankford
- Narrated by: Julia Motyka
- Length: 9 hrs and 28 mins
- Unabridged
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The real stories behind the scenery of America’s national parks. For 12 years, Andrea Lankford lived in the biggest, most impressive national parks in the world, working a job she loved. She chaperoned baby sea turtles on their journey to sea. She pursued bad guys on her galloping patrol horse. She jumped into rescue helicopters bound for the heart of the Grand Canyon. She won arguments with bears. She slept with a few too many rattlesnakes. Hell yeah, it was the best job in the world! Fortunately, Andrea survived it.
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Depressing from Cover to Cover
- By Drew (@drewsant) on 04-13-15
By: Andrea Lankford
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Barbarian Days
- A Surfing Life
- By: William Finnegan
- Narrated by: William Finnegan
- Length: 18 hrs and 8 mins
- Unabridged
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Pulitzer Prize, Biography, 2016. Barbarian Days is William Finnegan's memoir of an obsession, a complex enchantment. Surfing only looks like a sport. To initiates it is something else entirely: a beautiful addiction, a demanding course of study, a morally dangerous pastime, a way of life.
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What a Jerk.
- By ML Sadler on 03-06-17
By: William Finnegan
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The Year of Living Danishly
- Uncovering the Secrets of the World's Happiest Country
- By: Helen Russell
- Narrated by: Lucy Price-Lewis
- Length: 9 hrs and 39 mins
- Unabridged
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When she was suddenly given the opportunity of a new life in rural Jutland, journalist and archetypal Londoner Helen Russell discovered a startling statistic: the happiest place on earth isn't Disneyland but Denmark, a land often thought of by foreigners as consisting entirely of long, dark winters, cured herring, Lego and pastries. What is the secret to their success? Are happy Danes born or made?
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Interesting content. Unfortunate delivery.
- By Jennifer Soudagar on 11-13-15
By: Helen Russell
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Ghost Rider
- Travels on the Healing Road
- By: Neil Peart
- Narrated by: Brian Sutherland
- Length: 15 hrs and 54 mins
- Unabridged
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In less than a year, Neil Peart lost both his 19-year-old daughter, Selena, and his wife, Jackie. Faced with overwhelming sadness and isolated from the world in his home on the lake, Peart was left without direction. That lack of direction lead him on a 55,000 mile journey by motorcycle across much of North America, down through Mexico to Belize, and back again.
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Not happy, but fascinating
- By Jim In Texas! on 09-25-14
By: Neil Peart
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The Adventures of the Mountain Men
- True Tales of Hunting, Trapping, Fighting, and Survival
- By: Stephen Brennan
- Narrated by: Kevin Stillwell
- Length: 12 hrs and 17 mins
- Unabridged
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The “mountain men” were the hunters and trappers who fiercely strode the Rocky Mountains in the early to mid-1800s. They braved the elements in search of the skins of beavers and other wild animals, to sell or barter for goods. The lifestyle of the mountain men could be harsh, existing as they did among animals, and spending most of their days and nights living and camping out in the great unexplored wilds of the Rockies.
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Good for boys
- By Mrs. C on 05-12-14
By: Stephen Brennan
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Buried in the Sky
- The Extraordinary Story of the Sherpa Climbers on K2's Deadliest Day
- By: Peter Zuckerman, Amanda Padoan
- Narrated by: David Doersch
- Length: 7 hrs and 12 mins
- Unabridged
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When Edmund Hillary first conquered Mt. Everest, Sherpa Tenzing Norgay was at his side. Indeed, for as long as Westerners have been climbing the Himalaya, Sherpas have been the unsung heroes in the background. In August 2008, when eleven climbers lost their lives on K2, the world’s most dangerous peak, two Sherpas survived. They had emerged from poverty and political turmoil to become two of the most skillful mountaineers on earth. Based on unprecedented access and interviews, Buried in the Sky reveals their astonishing story for the first time.
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Sherpas, The True Unsung Heroes
- By Kathy in CA on 07-26-15
By: Peter Zuckerman, and others
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Vagabonding
- An Uncommon Guide to the Art of Long-Term World Travel
- By: Rolf Potts
- Narrated by: Rolf Potts
- Length: 4 hrs and 9 mins
- Unabridged
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Vagabonding is about taking time off from your normal life - from six weeks to four months to two years - to discover and experience the world on your own terms. Veteran shoestring traveler Rolf Potts shows how anyone armed with an independent spirit can achieve the dream of extended overseas travel.
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I wanted to love this book...
- By Scott Shepherd on 10-10-16
By: Rolf Potts
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Mother of God
- An Extraordinary Journey into the Uncharted Tributaries of the Western Amazon
- By: Paul Rosolie
- Narrated by: Jonathan Yen
- Length: 11 hrs and 27 mins
- Unabridged
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For fans of The Lost City of Z, Walking the Amazon, and Turn Right at Machu Picchu comes naturalist and explorer Paul Rosolie’s extraordinary adventure in the uncharted tributaries of the Western Amazon - a tale of discovery that vividly captures the awe, beauty, and isolation of this endangered land and presents an impassioned call to save it.
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This whole book is B.S.
- By bob fields on 09-30-18
By: Paul Rosolie
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Neither Here nor There
- By: Bill Bryson
- Narrated by: William Roberts
- Length: 9 hrs and 10 mins
- Unabridged
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In Neither Here nor There Bill Bryson brings his unique brand of humour to bear on Europe as he shoulders his backpack, keeps a tight hold on his wallet, and journeys from Hammerfest, the northernmost town on the continent, to Istanbul on the cusp of Asia.
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Authentic Bryson, but that might be the problem
- By M. Craft on 08-12-14
By: Bill Bryson
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Where's the Next Shelter?
- By: Gary Sizer
- Narrated by: Gary Sizer
- Length: 11 hrs and 10 mins
- Unabridged
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Where's the Next Shelter? is the true story of three travelers on the Appalachian Trail, a 2,000-mile hike that stretches from Georgia to Maine, told from the perspective of Gary Sizer, a seasoned backpacker and former marine who quickly finds himself humbled by the endeavor. If you long for the horizon or to sleep under the stars, then come along for the hike of a lifetime. All you have to do is take the first step.
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If You Liked AWOL, You'll Like This
- By Rebecca on 06-02-16
By: Gary Sizer