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Budgeting Worksheet Tip : Goals_Based _ Most budgeting programs don't accommodate for your financial goals, they simply look back at the previous month to help you determine your spend for the current month. That is not good budgeting. If you have a cash flow problem, then it will just perpetuate into future months and you won't even realize it's happening. Furthermore, you are not creating a plan to achieve your goals. An excellent budgeting worksheet will accommodate for your financial goals and help you determine what you can afford or what it will take to meet those goals. It will take into account your income, current debt, expenses and savings to help you generate a plan to meet your goals.

Virtual Envelopes can co_exist with Cash Envelopes just fine. Use the Virtual Envelopes for those monthly expenses that you would normally write a check or electronic payment. Examples would be mortgage/rent, taxes, car repairs, utilities, savings, debt pay_down, etc. Our budgeting worksheets incorporate the strategy of using Virtual Envelopes and help you set up your accounts accordingly. We define auto_pay, e_check, and other banking terms that will guide you to set up your Virtual Envelopes effectively in managing your monthly budget.

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