The use of budgeting worksheets will make the process of creating and maintaining a budget so much easier. Many people don't live within a budget simply because they find the process of creating a budget so overwhelming. While it can be difficult to account for every dime you spend across several categories, the rewards of doing so can have a huge, positive impact on your future.
Your Next Step _ Any time of the year is a great time to take inventory of your current financial position. Check out Virtual Envelope resources including our Personal Finance book and corresponding Budgeting Worksheets and put Virtual Envelopes to work for you. At our blog, you'll find a whole host of articles that will help you get started. If you need one_on_one coaching, we can help you with that too with our personalized Budgeting Coach. It will be well worth the investment of your time.