Do You Know What's Not Working?
I have worked with hundreds of clients in my 16 years of business. We work on budgets, cash flow planning, debt reduction, and savings forecasts. I love bringing vision and hope to situations my clients see as dismal. I thought to share the 3 most common difficulties my clients have with budgeting in particular. You may be experiencing the same thing and sometimes you just need one little nugget to help you get on the right track!
The first one is a major challenge my clients experience with budgeting is a LACK OF ORGANIZATION. It’s already hard to keep track of big picture planning much less day-to-day items when you don’t know all of the facts and details. And much of the time people don’t know where to begin getting organized.
Coming in as a close 2nd issue to organization is accountability. How many of us miss the fact that we spent money last week? It is incredibly easy to forget to track something you purchased over a week ago. Think about it. You stop by the grocery store real quick to grab bread for dinner. Since you are rushing, you forget to input it into your expense sheet. $2.50 won’t break the bank right? But then your spouse grabs a sports drink for your child on the way to practice. Now your untracked expense went from $2.50 to $4.00. You get the point. Small expenses add up! Keeping accountability in tracking EVERY expense is essential yet it can be tedious.
Keeping the budget balanced is a biggie! I work to create zero-based budgets for my clients. This means that EVERY SINGLE dollar has a purpose BEFORE they get paid. Planning to this level of detail allows you to stay intentional with where all of your money is going.
One of the tools that I recommend is Ramsey+. Not only does it help you with your budget but it also can solve all the problems above! Here’s how…
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Lack of Organization: Both you and your spouse are able to have access to your budget in REAL-TIME! No more trying to keep up with each other’s expenses.
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Staying Accountable: You are able to link your bank account which AUTOMATICALLY tracks your expenses for you. Never worry about missing an expense again!
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Zeroing Your Budget: Update your budget on-the-go with the easy-to-use app. No more having to "wait till I get to my computer".
In addition, Ramsey+ includes access to Financial Peace University with all of the lessons, tools, and resources you need to learn at your own pace.
And there are tons of other content, radio shows, discounts, and freebies that come along with being a member.
This month I have teamed up with Ramsey+ to give you a 30 DAY FREE TRIAL PLUS $30 off of your 1st year subscription! This means you only need to pay $69 to access all of the financial help once your 30-days are up. You can’t beat this deal and you won’t see it anywhere else!
If you need help getting started or have questions, feel free to schedule a FREE 15 minute call with me.
I want to see you win with money. This may be just the tool to get you started!
