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Personal Finance Information |
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Know Thy Finances
The first step to financial success lies in knowing your financial situation at any given time. There is an anecdote attributed to John D. Rockefeller--that as a child he was given a monthly allowance from his parents, but upon stipulation that he had to save 10% of it, give away 10% to charity, and account for the rest of it. While his parents required that he record down to the penny where he spent it--you can be a bit more lenient on yourself! Track your spending for 1-2 full months Use a program like Quicken to keep track of all your personal finances. I recommend the latest version of Quicken or a similar financial program if you already own one. You should start out by entering in your present-day personal checking account, savings, investments, and cash situation. To complete this step, you will also need a cheap plastic filing container or something similar. You can purchase these for about $15 at Office Depot, etc. As you make payments, keep track of all the receipts you receive, the checks you write, and any other monetary transactions you make. Like I mentioned earlier, you don't need to be exact when it comes to cash--just try to be, as much as you can tolerate. At some later time, at your leisure, enter all this transaction data into Quicken. As you do so, put the purchasing receipts into the file folder under the appropriate Category. Make separate labels for each of the file folders-- I suggest some of the following: You can also add your own categories or remove some as appropriate. At this point, you may be wondering why you have to do all this. For the moment, just trust me that it will be beneficial to you (I will explain it later on). Also, it takes a grand total of about 10-15 minutes per week to do what I just described. The next section, Budgeting, will take a little longer. But budgeting also requires that you need to at least perform the first step mentioned above, that is, keeping track of what you currently spend. Planning your Budget I can already hear what you are going to say--oh no, not a budget! I don't like them either, because they tend to reign in my emotional spending or "I gotta have it" mentality. The truth is, you are the master of your financial destiny (not to sound corny, but its true for the most part). If you want to buy that fancy knickknack with the wireless PDA attachment downloader, then by all means, get it. But if it doesn't serve your needs in the long run, then you will have wasted $X dollars to serve your fleeting emotional desires. Besides, you will notice after tracking your budget for several months where the real money is flowing. You might buy a fancy computer toy only occasionally, at $200+ dollars, but eating out at lunch everyday + dinner with the girlfriend at fancy restaurants all the time is leaving you broke. How about going to bars? I like to drink, but a beer at a bar or nightclub can range from $4-$10. It's probably even more if you live in areas like San Francisco or New York. Anyway, the point of planning your budget is just to get a better grasp on directing the flow of your money. I'm not saying that you should totally change your lifestyle or even change it at all--but if you are complaining about not having enough then there are certain things you should do, mainly spend less. It will be described later the benefits of saving & investing your money (which you probably already know anecdotally, but perhaps do not have extensive experience personally). Good Luck! About The Author Shanti Braford Editor/Publisher The Long-Term Value Letter
MORE RESOURCES: Warning: set_time_limit(): Cannot set time limit in safe mode in /home/www/dynamic/uv.ro/personal-finance.uv.ro/public_html/inc/rss.inc on line 8 The Retirement 'Rule of $1 More' Kiplinger Ramit Sethi Reveals A Misconception About Personal Finance: 'There's This Phrase That Drives Me Insane' Yahoo Finance What is a HENRY and are you one? The Detroit News Column | Five financial lies people should stop telling themselves The Washington Post These are the best places to retire in California, according to a new ranking San Francisco Chronicle Videos Make #Paydayroutines Everybody’s Business The New York Times Small-city lawyer, 36, uses multiple corporations to save and invest money The Globe and Mail Personal Finance: FICO meets buy now, pay later Chattanooga Times Free Press New CE: Controlled substances, personal finance, & more American Veterinary Medical Association Fi Money rolls out AI feature for users' queries on personal finance via ChatGPT, Gemini Moneycontrol High schoolers will be required to learn personal finance if lawmakers pass bill Colorado Public Radio The Indie Personal Finance Bestseller List the American Booksellers Association Millennial Investing: Stocks, ETFs, Personal Finance, Student Loans Investor's Business Daily WSJ taps Eisen as personal finance bureau chief Talking Biz News 18 Surprising Personal Finance Statistics in 2025 BadCredit.org Best high-yield savings interest rates today, July 6, 2025 (best accounts offering 4.3% APY) Yahoo Finance Performing a Personal Financial Health Audit: How Is Your Financial Health? The White Coat Investor HELOC rates today, July 6, 2025: The interest rate on a home equity line of credit stays the same Yahoo Finance How Will Trump’s Big Bill Affect Your Wallet? The New York Times Teaching Personal Finance Through Stories Pays Off — With Interest Stanford Graduate School of Business Ramit Sethi says you need these 9 'money milestones' before 40 if you want to be rich — how many have you hit? Yahoo Finance Bachelorette parties can now cost thousands to attend. Here’s how to keep the madness in check Toronto Star Governors Prioritizing Financial Literacy National Governors Association Should I Borrow Against My $4 Million Stock Portfolio to Fund My Sons' College Expenses? 24/7 Wall St. Personal finance becomes the newest ‘adulting’ lesson for high-schoolers The Washington Post Your kid is getting a ‘Trump account.’ Should you put your money in it? The Washington Post The State of Personal Finance in America Q1 2025 Ramsey Solutions Personal Finance for Students? Teachers Could Use It, Too Education Week Most high schoolers want to learn about personal finance. Pennsylvania will soon require it. CBS News Best high-yield savings interest rates today, July 3, 2025 (top account pays 4.3% APY) Yahoo Finance HELOC rates today, July 5, 2025: The home equity line of credit rate remains unchanged Yahoo Finance HELOC rates today, July 4, 2025: Holding steady as prospects dim for a summer interest rate cut Yahoo Finance Roughly half of Americans are knowledgeable about personal finances Pew Research Center AB 2927: Pupil instruction: high school graduation requirements: personal finance. Digital Democracy | CalMatters CD rates today, July 4, 2025 Fortune Now on the College Course Menu: Personal Finance The New York Times Zikoko to spotlight Nigeria’s personal finance future Business News Nigeria |
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