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Budget: Spending Money on Purpose
To achieve financial freedom, you must create an intentional spending plan and stick with
it. Though it may feel overwhelming, a spending plan is necessary in order to meet your
short- and long-term financial goals.
Get a clear picture of your current financial situation:
1. List all of your fixed expenses, such as utilities, groceries and debt payments.
2. List all of your irregular expenses. These expenses are due throughout the year,
including taxes, car maintenance and vacations.
3. Every other expense is discretionary spending. This includes shopping and your
daily gourmet coffee run.
4. A, B, C your expenses. Aís are needs. Bís are needs you can be more efficient with,
like utilities or groceries. Cís are wants.
5. Total your expenses and compare them to your net income. If your expenses
total more than your income, then itís time to reassess your spending habits and
make cuts from your Bís and Cís.
Save: Paying Yourself First
ē Make it automatic. Sign up for your bankís automatic transfer program and move a
percentage of your paycheck to your savings account each payday.
ē Ask for discounts. For example, ask your insurance company about discounts that
you may qualify for, which can lead to savings on your premium.
ē Think before you buy. To resist impulse buys, wait 24 hours to buy an item. It may
I would like to hear your comments on my latest blog. Is there a subject you would like for me to cover? Your comments are very important to me.
The Rob Ellerman Team
Reece and Nichols Realtors
1153 Northeast Rice Road
Lees Summit, MO. 64086
Let me give you a brief overview of what I believe makes a great agent. Most agents continue to do things that were being done years ago to sell real estate.
If you are looking to buy or sell and you have internet access and would like to use it during your home buying or home selling process, please shoot us an email and letís chat for a few minutes. My goal is not to brag about my status in the company and how much I sell, itís to make your next move as fun and painless as possible. Top agent status always seems to follow. I look forward to hearing from you.
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