Knowing the problems with personal finance the first fix is start tracking. Tracking is simple and once started does not require much time if kept up to date. Article Links:https://www.nerdwallet.com/article/finance/tracking-monthly-expensesSupport the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Most problems start with mistakes, in personal finance not doing things is a mistake. Knowing what to do is the best way to avoid the debt cycle and budget crisis staying inform with finances is the way to start. Article Links:https://www.investopedia.com/personal-finance/most-common-financial-mistakes/ By Emily Norrishttps://www.equifax.com/personal/education/personal-finance/top-money-mistakes/ Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Getting control of personal finances and stopping creditors calls are a couple of benefits. This is a plan for the do it yourselfer and is easy to start and stay on track.Article Links:https://www.bankrate.com/personal-finance/debt/pros-cons-of-debt-relief/#consolidation By Holly Jonsonhttps://www.nerdwallet.com/article/finance/find-debt-relief By Dev O’SheaSupport the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Having and keep a budget up to date has benefits. Tracking will help in this process but putting the number in front to compare what happen is a big factor in getting personal finances in order.Article Links:https://www.investopedia.com/financial-edge/1109/6-reasons-why-you-need-a-budget.aspx By Amy Bellhttps://www.incharge.org/financial-literacy/budgeting-saving/budgeting-benefits/ By Michael Knisley Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Most do not keep track of spending, which is when problems can and will start. Too much debt is cause by spending too much money  and unaware of that problem. Article Links:https://www.myhubble.money/blog/the-benefits-of-tracking-your-spending-habits https://www.lifehack.org/482228/5-surprising-benefits-of-tracking-your-spending By Sharen Rosshttps://oboloo.com/blog/the-importance-of-keeping-track-of-expenses/ Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Have debt problems this episode talks thru all the steps to getting debt under control. Beginning with identifying the problem and the steps to take to tackle this problem.Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

What it takes to pay off credit and tips and tricks to make the process easier. Do it yourself is the cheapest way to reduce debt but must be able to make tough decisions then carry thru with them.Article Links:https://finred.usalearning.gov/Money/DebtTraps https://www.nerdwallet.com/article/finance/find-debt-relief By Bev O’Sheahttps://www.consumerfinance.gov/about-us/blog/easy-remember-guidelines-help-people-reduce-credit-card-debt/ By Susan KerbelSupport the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Once tracking has been done for the last 30 plus days, now it time to start a budget or control center. The tracking will make the control center easier to setup and to maintain. Vacation time and how that affect the tracking and budgeting process.Article Link:http://mappingyourfuture.org/money/budget.cfmSupport the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Knowing the basics of personal finance, the tracking makes more sense. Everything will start to fall into place as to the importance for personal finance. Tracking of monies into and out of checking will start to full fill the five aspects of personal finance. Then creating a budget will be the control center to increase savings and achieving other goals. Article Link:https://www.nerdwallet.com/article/finance/tracking-monthly-expensesSupport the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Knowing the basics about personal finance is necessary for debt reduction. Everyone should understand personal finances to plan and pay bills. This includes savings for future purchases and taking care of basic needs.  Article Link:https://www.annuity.org/personal-finance/  By Terry TurnerSupport the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Doing a budget to much time and want a different approach to help reduce spending. How about find out the amount of money available to spend on a weekly basis. This spreadsheet will give you that information. This is new topic in the traditional budgeting process. Allocation of money received to an expense to ensure the timely payment is necessary. How to incorporate this into traditional budgeting spreadsheet. Will talk about another spreadsheet that computes your weekly unspent money. Article Links:https://www.incharge.org/financial-literacy/budgeting-saving/how-to-make-a-budget/Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Having problems reducing debt, this is how to get started on that process.  Going to expand on the allocation money in the control center. (Budget). Article Links:https://www.equifax.com/personal/education/debt-management/creating-debt-reduction-strategy/Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Once the budget in place and a few months has pasted it time to add items to help with credit score and overall financial health. Using  percentages as a guideline. When using an app learn how the app works before starting the app. Take time to learn the app in the long term this will be beneficial.Article Links:https://www.budgetsmadeeasy.com/household-budget-percentages/ Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Making and keeping a budget needs to be simple, or it will not work. Here is a way to do a budget the easy and fast. Referring to using tracking app by printing out a report to develop the budget. Budgeting is to help identify problems and adjust to reach goals. Not just to reduce spending and make life less enjoyable.Article Link:https://www.myjar.app/blog/budget-exhausted-know-the-reason-behind-this-failureSupport the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

All the debt has been identified now it time to start tracking all income and spending. Knowing how much money is in the checking account and monies owe is important to reducing debt. Emergency fund in detail how to setup different savings categories for uses as needed. Article Link:https://www.wellsfargo.com/financial-education/basic-finances/manage-money/cashflow-savings/track-spending/https://financebuzz.com/how-to-track-spending By Taylor MedineSupport the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Debt problems this is the first place to start. Tracking debt the how and why to get debt under control. Tracking is more than just debt also includes income, and spending. Article Link:https://www.nerdwallet.com/article/finance/debt-tracker by Lauren Schwahn and Sean PylesSupport the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Spending too much but not sure or just living paycheck to paycheck how to fix these problems.  Always thinking about spending  money almost everything do and see try’s to get us to spend money. Lets see how to stop that type of spending.Article Link:https://www.ruleoneinvesting.com/blog/financial-control/spending-money-wisely/ By Phil Townhttps://www.unexpectedlydomestic.com/where-does-all-my-money-go/ Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Getting closer to being debt free now what to do with the money. Tracking and still have a control center is a must. No reason to go back to old spending habits. Article Link:https://www.maggiegermano.com/blog/what-you-should-do-after-paying-off-debt/ by Maggie Germano Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Control center is the second most important part of the personal finance. Keeping spending under control and know what and where money is going is key to reducing debt and increasing savings. Article Link:https://www.huntington.com/learn/budgeting/how-to-make-a-budgetSupport the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

That is what most checking account are doing. The first and most important part of debt reduction is tracking all spending and income. Doing this will help as knowing when and where money is going is key to understanding the debt problem. Once understanding debt then creating a solution is easier. Article Link:https://www.nerdwallet.com/article/finance/tracking-monthly-expenses By NerdWalletSupport the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Is the question everyone should ask themselves. This is important to know so the problem can be fixed. Then steps to get rid of debt can be taken. This episode is first in a series to become debt free. Article Link:https://www.debt.com/news/how-do-people-get-into-debt/ By John Boitnotthttps://finred.usalearning.gov/Money/DebtTraps Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Those trying to reduce debt this is how to maximize the process. Reducing debt is a hard and timely process, but it can be speeded up by doing some extra things. Making the tough choices, doing without for a couple of years will pay off in the long term.Article Link:https://www.wellsfargo.com/goals-credit/smarter-credit/credit-101/debt-to-income-ratio/dti-faqs/https://www.capitalone.com/learn-grow/money-management/how-to-reduce-debt/Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Once a budget or control center has been established staying on the budget is important. As time passes some of the fixed expense may change so the control center need to be updated. I do this every month but that not necessary, update every quarter is enough.  Article Link:https://www.trustage.com/learn/managing-money/how-to-personal-budgethttps://ourhappyhive.com/do-a-financial-tune-up-and-keep-your-budget-on-track/Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

 Keeping track of income and spending is the first step in keeping personal finance under control. The second step is having a budget of some type or a Control Center. These two steps are the key to financial success and reducing debt. Article Links: https://www.thebalancemoney.com/how-to-track-your-expenses-2385695 by Miriam Caldwell https://whybudgeting.com/personal-budget-categories/ by Hugo Guerreiro https://happygiraffe.org/donate/  Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

 The first step in reducing debt is identity the problems too much spending or too little income. Everyone makes mistakes but those who correct mistakes are much better off. What are the mistakes most people make in personal finance. Article Link: https://www.investopedia.com/personal-finance/most-common-financial-mistakes/ By Emily Norris https://www.equifax.com/personal/education/personal-finance/top-money-mistakes/ Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Money is important in everyone’s life let us ask the tough questions about personal finance. Knowing the answers will help in the long run to manage finances and make life better.  That is what life about staying focus and ahead of finances. Article Linkhttps://www.createcultivate.com/blog/money-questions-to-ask-yourself/https://www.careercontessa.com/advice/scary-money-questions/Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

 What is the difference between debt reduction plan and debt management plan both are the same in most cases. Debt management plan for most is a  professional counseling person working to help reduce debt. It not always the best way to go as fees are paid. Instead I think a debt management plan is for those whose do not have a debt problem but looking forward before taking out loans to be sure the payment can be made. Debt reduction plan is the process to take to reduce debt the best way.  Article Link https://www.consumerfinance.gov/about-us/blog/how-reduce-your-debt/ By Courtney-Rose Dantus https://www.debt.org/management-plans/ Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

Doing a budget requires some type of written document. Using a computer spreadsheet to do the math makes this a straightforward process. How to set up a budget on a spreadsheet and how to categorize expenses.Article Link:https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/creating-a-budget  https://www.gobankingrates.com/saving-money/budgeting/recommended-budget-percentages/ By Kathy Evans https://happygiraffe.org/2022/07/getting-started/Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

How to set up tracking categories to be in same order of the budget. The tracking program has categories list different than the budget categories. I found a way to make these match to make budgeting easier. What is the number one thing keeping most people from building wealth.  Support the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.

It may seem like no progress is being made on reducing debt, but at this stage it is a slow process. Once quit using credit, identify items to cancel made those tough choices it’s a waiting game for cash to increase. It starts out very slow so do not give up stay focus on what the objective reducing debt. Understanding how the debt got out of control is important to getting out of debt.  Article Link:https://www.investopedia.com/articles/pf/12/the-debt-spiral.asp By Lisa SmithSupport the showPlease support the show by subscribing, can cancel at any time. Thanks for the support. Subscription page: https://www.buzzsprout.com/961804/support Contact: ReduceDebtIncreaseWealth@Gmail.com Wanting Budget Spreadsheet Place Spreadsheet as Subject https://Happygiraffe.org/live https://www.shopfinancial.com/lantianbaiyu/ All other inquires place topic into Subject.