Hi my name is Philip J. Miano and I am the founder of PJM Personal Finance and Productivity Coaching specializing in Budgeting, Debt Reduction, Bank Reconciliations, Goal Setting, Time Management, and Organizational skills. Please visit my website:
http://pjmcoaching.com/
Phil's Personal Finance Tip of the Day:
6 Reasons Your Budget Stinks (and What to Do About It)
From DaveRamsey.com
Math haters and Free Spirits, keep reading!
Math is black and white. There’s no gray area.
You want to know why you’re spending $400 more than you make every month? It’s all there in the numbers. You just have to take a little time to think through it.
The problem comes when people start budgeting, make some mistakes, and then give up. That’s not a good way to deal with money management issues. The problem won’t magically disappear.
So, in the spirit of helping you make it happen in 2013, we thought we’d identify some of the issues you might have with your budget and how to remedy each one.
1. You don’t budget.
This isn’t rocket science, and we’re not trying to play some voodoo trick on you. It’s just that, well, your budget might stink because you don’t have a written, zero-based budget in the first place. So that’s where you’ve got to start. Our new free Guide to Budgeting can help.To read the entire article from Dave Ramsey.com:
http://www.daveramsey.com/blog/6-reasons-your-budget-stinks
Inspirational Quotes@Inspire_Us from Twitter:
I've failed over & over & over again in my life & that is why I succeed. -Michael Jordan
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