The Benefits Of Having A Personal Budget Planner

The Benefits of​ Having a​ Personal Budget Planner
There are plenty fancy ideas out there for​ personal budget planners .​
you​ can use them on​ your​ computer or​ on​ handheld devices .​
They sound like awesome little gadgets except it​ gives you​ the idea that owning one will mean you’ll somehow have tons of​ extra money .​
Excel has one of​ those programs that let’s you​ graph everything out or​ plot your​ progress on​ pie charts .​
While they seem fancy and​ look cool, you​ can’t make a​ silk purse out of​ a​ sow’s ear, as​ my grandmother used to​ say .​
in​ other words, if​ you​ don’t have the money to​ spend, a​ fancy budget planner won’t help you​ very much.
I don’t think it’s half as​ important if​ you​ have one of​ these things than it​ is​ to​ actually use one .​
Sometimes they’re too complicated than they’re really worth .​
I​ personally like the idea of​ a​ paper log book, a​ nice sharp pencil and​ maybe a​ calculator .​
I​ like the idea of​ seeing the numbers all work out for​ myself rather than having a​ computer do it​ all for​ me .​
The computerized budget planners are too abstract and​ it​ makes me nervous not to​ see the numbers right there.
I have a​ great brown leather bound budget planner .​
It’s elegant and, for​ the most part, it’s easy to​ use .​
But I’ve decided that’s not my real problem when it​ comes to​ budgeting .​
The problem is​ my taking the time to​ make use of​ it .​
if​ I​ slack off, the numbers won’t add up and​ nothing really makes sense .​
I​ remember when I​ was making a​ ton​ of​ money in​ one of​ those upstart Internet companies; I​ didn’t think I​ needed to​ worry about budgeting .​
I​ was definitely living high off the hog, though, and​ I​ needed to​ find a​ way to​ get my finances in​ order .​
I​ made a​ few notations in​ my personal budget planner and, since I​ was making so much cash, it​ didn’t take long to​ catch up and​ be more financially secure.
Well, as​ you​ may imagine, the dot com industry didn’t last forever, so I​ took another position​ as​ a​ systems administrator .​
I​ wasn’t making as​ much money and​ it​ wasn’t a​ good time for​ me .​
I​ felt like I​ never had enough money .​
I​ thought maybe I​ wasn’t using my budget planner correctly and​ the bills started stacking up .​
I​ lost more than a​ few nights’ sleep, worrying about the whole thing .​
After a​ while, I​ realized that my personal budget planner was not at​ the root of​ my money problems at​ all .​
Rather, I​ simply wasn’t making enough money to​ keep up with the lifestyle I​ really wanted to​ live.
So, I​ took action​ and​ got a​ second job to​ make up the difference .​
It was a​ boring job but it​ paid pretty well .​
I​ quickly found that my finances were much better and​ I’m back to​ doing it​ the way I​ once did.

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