How to beat The Personal Budget Form Blues!

It’s astounding how much rubbish has been written about budgeting! Many people believe that they have to become accountants before they can enjoy their money.

Why waste your time and energy with budget forms that fail, when the "Personality Budgeting Program" will do all the hard work of budgeting and let you "Enjoy Your Money"? David East - The Budget Man

People get loaded down with having to keep this record and that record and then list this and that before finally they pay their bills.

Just have a look at the list of forms one person was trying to use for their home budget.

They had a…

· Budget Worksheet
· Budget Form
· Budget Ledger
· Monthly Bill Summary
· Credit Card Pay Down Schedule
· Credit Card Tracking Sheet
· Credit Card Vs Low Interest Loan Comparison
· Debt Reduction Table
· Check Register and Reconciliation Form

Now all of this may be good if you want to run a business and pay a staff member to spend their days working out the figures. But is it really needed for your personal money? The obvious answer is “NO”.

Is it any wonder then that personal budget forms fail!

The story is always the same. A person needs a budget and they find a personal budget form or two. The first few days are heavy work as all the forms are filled in and the most amazing budget is written.

By the end of the first month the novelty of keeping an up to date budget is wearing off. The forms are out of date. Within a few months the budget is back to the old faithful method of “spend it till it’s gone”.

Need I mention here that the person now feels justified in telling him or herself that they “can’t budget”?

So what do you do?

The first step is to decide that you’ll give budgeting one more try. This time you’ll have the help of the Personality Budgeting Program to make sense of your money.

Let me tell you a secret! 70% of budgeting can be done automatically! You’ve already made the decisions about where this money will go. This is the money that pays the bills, the loan payments, the utilities etc.

Now there is something special about all these expenses…just like the date of your birthday, they are predictable! We’ll use the “Personality Budgeting Program” to tell us how much money we need to put aside each pay for these expenses. (This may seem too simple and easy but that’s why the Personality Budgeting Program has become so loved around the world.)

In just a few minutes the Personality Budgeting Program has done what the budget forms couldn’t do! Now you’ll never have to wonder about your bills again.

Now it’s time to look at the rest of our spending. There’s a simple sum that the Personality Budgeting Program uses to let us see how much money we have for our Day-To-Day living.

The sum goes like this…

Income minus bills and savings equals Day-To-Day money!

Budgeting really is that simple. Once we know how much money we have available until the next pay, we can start deciding how we will spend it.

We each have different things we spend our Day-To-Day money on, food, clothing. transport, entertainment etc. The money for these Day-To-Day expenses is spread between the bank, the wallet or purse etc. So how do we keep a track of this money?

The Personality Budgeting Program helps us here too.

You choose how to group your spending and you can be as detailed or as general as you need. If there is a particular area that is a worry you can follow it for a few weeks or let it all run on automatic.

Let’s summarise

Budgets based on “Personal Budget Forms” fail repeatedly. They require you to keep too many records and demand too much of your time on a constant basis.

The “Personality Budgeting Program” does the work for you. It splits your regular bills from your Day-To-Day expenses. It puts your bills on automatic and lets you know what is available for the Day-To-day living. In other words, the computer does the hard work and you enjoy the benefit of having a budget that works for you.

So now it’s choice time.

OPTION 1: Download the “Personality Budgeting Program” now and test-drive it with your own details for 30 Days. If you are not completely satisfied we’ll give you your money back! Take this option and you’ll have your budget working today! You’re also in for a pleasant surprise when you see how reasonable the investment in the program is. So click here to get started.

OPTION 2: Read a detailed description of the Personality Budgeting Program. (Then take option 1)

There is a third option, but it is very expensive. You can choose not to invest in the Personality Budgeting Program. This choice may however mean that you either don’t mind spending huge amounts of your time struggling with your budget OR you are happy to waste large amounts of money on interest payments, missed bill payments and stress over the money running out! Me, I use the Personality Budgeting Program because it works!.

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Copyright 2006 Personality Budgeting – Personal Budget Form