39. Finances 101: 10 Perspectives - From my point of view. 13. Budgeting... a resource for you

Dear readers, thank you for following me on my journey in personal finances so far. As we approach the end of 2017, it is the best time to start budgeting for next year, 2018.

Therefore as a token of my appreciation, please click on the image above to receive a budget template for your own use.

Feel free to amend it as you see fit. In the template, I have a monthly page that allows for daily updating of the major things you spend on everyday.

Then, use the monthly summaries to have an overall feel of your total income, expenses and any surplus / deficit you may incur.

We do not know how we can improve if we don't know where we are today.

SO track your finances, be informed, and until next year.....

Have a Happy New Year!

I will be back in 2018 with lots more... stay tuned!