The process of balancing your checkbook isn’t just about knowing how much money you have to spend right now. It can yield huge insights into your future.
One day, I was using a spreadsheet – on my then new Macintosh Classic – to add and subtract the numbers in my paper check register so that I could balance it against my bank balance. I bet you can see where I’m going with this. Yes, a check register spreadsheet. Hang on. There’s more to the technique I am sharing. Please read on to learn about the future empowerment aspect.
Empowerment for the Future
My feelings, when I made the “empowering” spreadsheet discovery can be summed up by, “OMG!” I’m calling it the digital tracker and planner. Back then, it was just “my spreadsheet.” It’s simple. It’s easy. And, it’s powerful.
All I did was give Todd the tools, the same tools that I am sharing in this series, and he applied them to his business-building efforts himself. I’m just glad I could help. And, hopefully I can help you through this series.
Is this series on personal finance management for you?
If you answer yes to any of the following questions, it’s worth giving the series of quick read, at least, to see if it spurs any ideas for your own situation.
- Do you have a checking account?
- Do you have expenses that repeat?
- Do you wish you had less debt and more savings?
If you have a tool or technique that works for you, perhaps this series can help someone you know.
What does this series entail?
Each lesson is a prerequisite to the next.
- Lesson 1: Checkbook Duh! Factors
- Lesson 2: A Map of Personal Finance Processes
- Lesson 3: Get Ready
- Lesson 4: Set Up the Spreadsheet
- Build a Plan
- Lesson 6: Tracking Actual Commitments
- Lesson 7. Balancing Against the Bank
- Lesson 8. Adjusting for the Future
Additional Personal Finance Topics
After completing the series, the following short topics might add to your endeavors to improve your personal finance process.
- Credit Cards Can Make You Money and Raise Your Credit Score
- Overdraft Notices Can Be Avoided
- Stopping the Debt Craziness and Manage Your Cash Flow
- Savings Goals Come in Many Sizes
- Emergency Credit Card Usage
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