Almost everybody I know, which includes me, has let a budget get out of control at one time or another. I really think it used to be able to control personal finances because it was not as easy to spend money. As I work on my own budget, and as I speak to people I know, here are some common problems that get people in trouble. Debit and Credit Cards. It is just so easy to buy things by swiping a piece of plastic that we lose track of how much money we spend. A decade or so ago we spent cash or wrote checks. It made us think about spending money more as we had to carry enough money or go through the act of writing and recording our checks.
Worksheet _ Needs and Wants Worksheet _ This is an important worksheet to use to help keep your financial spending in check. When you or one of your children see something they need or want, you simply write it down on the needs and wants worksheet. Then when funds become available to purchase something you have a written record of what you really want to spend your money on instead of just making an impulse buy. _ Worksheet _ 90_Day Financial Goals Worksheet _ This goals worksheet will help keep your finances moving in the right direction. It is a worksheet where you write down you financial goals. Then it has an area where you write down weekly action items in order to achieve those goals. In conclusion, by tracking your spending, creating a budget, learning to handle your needs and wants, and setting financial goals; you can gain control of your finances. Start using these top 10 worksheets today and watch your financial future grow.