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LEARNING TO LIVE ON LESS
ARE YOU IN DEBT?
IT'S TIME TO ACCEPT THE CHALLENGE TO LIVE DEBT FREE S.I.A. Corporation
First Step to Budgeting Begin by determining your annual/monthly expenses and actual debt.
Use the attached worksheet(s) or a notebook to record your actual expenses for 30 days. Make sure to include the purpose for each amount, as this will be helpful when categorizing your expenditures.
Try to account for all expenses. Accurate data will yield a better budget.
30-DAY SPENDING ASSESSMENT
TOTAL INCOME AMOUNT: $_________________
AMOUNTS SPENT PURPOSE FOR SPENDING
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$______________________ AMOUNT SPENT THIS PAGE
WHAT IS MY TOTAL DEBT?
LENDER TOTAL BALANCE _________________________ _____________________________ _________________________ _____________________________ _________________________ _____________________________ _________________________ _____________________________ _________________________ _____________________________ _________________________ _____________________________ _________________________ _____________________________ _________________________ _____________________________ $_________________________ TOTAL DEBT
This is your first step to financial freedom. SIA can help you design a budget to fit your needs. Click - Contact Us on this web site.
Why Budget?
Budgeting is the current planning and discipline in use to achieve future objectives and/or goals. This will vary from family to family based on the objectives and/or goals desired. The limits set will also vary. The determination of an emergency will vary depending on the ability of the family to maintain and repair broken items. Looking at the future projections, many Americans will experience financial hardships because they have little to no savings. According to the US Census Bureau, half of all Americans have only $ 2,000 anywhere. We are called to be good stewards even in times like these.
FrugelFun.com for free information about Penny-Pinching ideas.
MORE TIPS FROM SIA Update - May, 2011 |
