In the budgeting post I said that there were a few important things I would come back to later. So here we are!
Variance analysis
Annual expenses
Seasonal variation
SURPRISES!
These are the items that will lay all your good efforts to waste if they aren’t controlled.
So to recap, you made a list of the following:
Income
Expenses: fixed, variable, and blended […]
Comments(0) I look at cash flow from two sides. The long term tells me where I’m going–am I eventually going to build any wealth, or am I continually digging a deeper and deeper pit? The short term has to do with crisis management. I think of it as two separate but similar tools.
First the short term. […]
Comments(0) This is such a fundamental tool that it has always surprised me how seldom the basics are taught. Let’s work out a monthly budget.
Here are the basics…
A budget has two sides: income and expenses. The first thing to do is figure out how much income you have in a month. Pull out the pay stubs, […]
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