Additionally, set up your savings, checking and the sub_savings accounts to have internet_access via your home computer, free of charge. This will allow you the convenience of budgeting and bill paying from the comfort of your home. If you are uncomfortable using internet_access for banking purposes, there are just a couple things to be aware of and you will be fine. First, only use a reputable bank or credit union. They have the best security in place for all of your data access requirements. Follow their password guidelines and change your password regularly. In my book, I dedicate an entire chapter to Virtual Envelopes and how to set up your sub_accounts.
Next, you need to have a set of goals to work towards. There is no point is starting a budget worksheet unless you have a goal that you are striving to achieve. Without a goal sheet, any extra money you do save from your budget worksheet will have no real purpose and will be far easier to spend. Having a written set of goals helps to keep you on track. Last, you need a good budget worksheet that is simple and easy to use. Having a big fancy software is not going to help you succeed any faster. Besides, there is a learning curve to complex financial software, and using a simpler form will get you real results faster and easier, plus you can save any money you would have spent on the software! Having and using a budget worksheet can take you past the stage of wishing about having more money and actually making real progress towards your goals. Start today and guaranteed within a short time, you will be setting your path to success and feeling great about having met your goals.