Start: Your Finances Won’t Get Better Until You Do

startYou know you need to pay attention to your finances and create some kind of spending plan. So why haven’t you started? Are you just waiting for the right software, book, or moment? Maybe you feel overwhelmed. The reasons for not starting and maintaining your spending plan are endless, but your window of opportunity closes a little more with every day you put off taking care of your financial well-being. What are some of your reasons for not starting?

If I only had the right software

Financial software, like Quicken or Microsoft Money can be helpful. These types of programs allow you to download your account transactions, create a budget, analyze your spending or investments, etc. Onli


[Continue Reading at]

This entry was posted in Personal Finance and tagged , , , , , , . Bookmark the permalink.

5 Responses to Start: Your Finances Won’t Get Better Until You Do

  1. A Marino says:

    This article reminds me of the same reasons that people use to procrastinate, namely diets or exercising.

    The truth is that all you need to do is to get a sheet of paper, list your income and outgo. Pick up a small memo pad and track your expenses for a couple of months. List any debts that you want to pay off and make a scedule and pay-off date. Just paper and pen.

    Next, if you want to get a library loaner book; there are many out there to choose from. In the beginning, don’t read too many. Try to stay with one and change later on when you know that you need to tweak you budget.

    You can buy just about any software to start with and stay with it so you will know what it is that you like or dislike about it.

  2. IVSPORT says:

    If people spent as much time working on tracking finances as they do shopping for luxury items, this country would be in far-better shape.

  3. Dana says:

    I agree with A Marino comment and the article. When I use to do budget counseling with couples, they listed all the above excuses for why they couldn’t manage their finances.



  5. Gail says:

    I used to use Money and found when I quit, I had more time as I didn’t have to keep double listing things; first checkbook then input into computer. I balance my checkbooks weekly via the bandk websites and then do bill paying and keeping track of things with pen and paper.

    One of the best things to do is set aside a particular day each week to do your financial stuff (best day is payday, second best is the day after) and get in the habit. Once I started getting SS I swapped days to Wednesdays as that is the day my SS check is deposited. So every Wednesday is bill paying day. And looking at what is ahead and coming up and transferring funds as needed so you have them on time so you don’t have late bills.

    I suspect many people have no habit established for doing their bills. Just getting into that weekly habit will go a long way to helping them get on track financially.

Leave a Reply

Your email address will not be published. Required fields are marked *