FINANCE FRIDAY After my poll last week I discovered that there is a HUGE desire for me to share more about Personal Finance, which makes me SO excited because it's something that I LOVE! Working towards your financial goals should be EXCITING! Not scary! A little background for those of you who don't know me personally! I graduated from the University of Northern Iowa in May of 2017 with my Bachelor's in Finance with an emphasis of Financial Management. During college and after I graduated I worked at a bank for 5 years and now I'm a claims adjuster for an insurance company and an online health & fitness coach! A LOT of what I'll be sharing with you on these Finance Fridays will come from my experience in the banking & insurance world, as well as personal research I've done. Some of it tying back to my degree, some of it not I'm here to SHARE MY EXPERIENCE and help anyone that I can! With that being said, I'll jump right in! After talking to a couple of you, and taking requests, there was a large majority that wanted to start Budgeting but didn't know how or where to even start My objective is to keep things simple while also being effective! This is the way that I budget that I've found to be most simple and effective for ME! Granted, I'm just one person, so if you're budgeting for a household with a spouse you might need a little more detail in your budget sheet, but this is how I do it! BUDGET BY PAYCHECK METHOD: I go through ALL my bills/expenses and write down each day of the MONTH each bill is due. Then I write my pay period date range at the top of my budget sheet for the weeks I'm budgeting for. Example: I get paid today so my date range for that paycheck budget is 2/28/20 - 3/12/20. THEN I refer back to my MONTHLY list of when each bill is due and if the date falls within my budget range, the bill will then get a line item in my budget for todays paycheck! As for expenses that aren't bills with an actual due date (groceries, gas, savings, miscellaneous etc.) I put those under other expenses and budget how much I'm going to spend on those things. Continued in comments
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