BASIC BUDGETING WORK BOOK
The Help You Need To Build, Rebuild, or Improve Your Credit, and Get Yourself Out of Debt!
by
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The knowledge you will gain from reading this book will increase your wisdom. The application of this book will increase your power, power to win financially. Do you know how to use your paycheck wisely for today and for your future? Where do you stand financially? Are you living in debt? Are you aware of how much interest, fees and charges you are paying monthly in keeping your debt? Are you in an endless cycle of finance and refinance? Are you building assets or liabilities? Do the answers to these questions make you feel stressed out and worried about your future? Times have been uncertain. The more you consume the more you are hurting and the more you are confused. Debts, bankruptcy, poor savings habits, and job insecurity can create situations of stress in your home. However, you can change this situation around if you learn and apply the principles and use this workbook as designed. Then, your next step would be to learn principles of tax saving strategies, obtain and apply knowledge on how to make your money work harder for you, and apply strategies now to become financially independent. Don’t gamble with your future! Which situation would you rather be in at age 65, dead, dead broke, still working or financially independent? You can choose to shape your future. The time to start is now! To begin, read this book, apply the principles and use the pages in this workbook. So how do you get to financial independence? Here is what I believe will get you there: 1. Start budgeting: If you hate the word budget, then change it to spending plan. Use this workbook! 2. Start saving at least 10% of your income for retirement: Give some, save some and spend some. You keep working and paying everyone else. What about you? Everyone else is making their financial goals off of your money. Shouldn’t you get paid too? 3. Save in a smart place: It is important to know where to put your money so that you have the greatest tax reduction benefits, you outpace inflation and your principle can be secured. Can you get all three benefits in one place? It is very possible. 4. Don’t cash out retirement plans: Once you start saving, don’t touch it. Treat that money like a bill you just paid. The name on the bill is “your future financial independence”. The bottom line is you must start now with a sound budget plan and strategy. So, congratulate yourself and buckle down for a victorious ride using this book as the compass with your roadmap to financial independence.
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About the Book
This book contains 5 years of budgeting worksheets.
Other books available by this author:
In a World of Darkness, Let There Be Light!
Which can be found all over the Internet!
Finally a book that addresses a growing problem millions of Americans are faced with on a daily basis. Never before has a book offered so many compelling opportunities, and positive options for those faced with credit and debt problems as this book does.
This book is dedicated to all those who are faced with everyday expenses, that if not controlled will hinder their desire of staying out of debt. You may have goals and dreams, but if you don’t set up a financial guideline, you may not reach them. This book is the best “budgeting plan” and financial guide to help you attain your goals.
The goal of financial independence must begin with a sound budget plan: give some, save some and spend some. This book is the perfect tool to map out the course to achieve that goal.
—Simone Atkinson, MBA Finance: President and Owner of F.B. Financials Inc
About the Author
The author of this budgeting book is Apostle Elishaphat, who specializes in the field of financial counseling and budgeting. He traveled extensively throughout many countries and spoke in many seminars and organizations on the subject. The Apostle has worked closely with numerous accountants to improve the financial lives of many, some of whom were faced with serious credit delinquency and outstanding financial debt. He has also helped numerous families across the United States and Canada to structure wise spending habits toward a better financial future. Other than reaching out to help someone in need, counseling has been one of the Apostle’s strongest attributes, and the ability to find solutions for difficult situations and organizing are some key virtues he has portrayed. The Apostle’s utmost passion is to travel throughout the world to help as many poor, sick, hungry, and homeless people as possible, and he believes he will continue to do so, until he goes the way of all flesh. Some family members and close friends have criticized him for reaching out to help others in need, but those criticisms were powerless to stop him. What is in his heart is from God, and cannot be removed by mankind.