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The Benefits Of Having A Personal Budget Planner

There are plenty fancy ideas out there for personal budget planners. You can use them on your computer or on handheld devices. They sound like awesome little gadgets except it gives you the idea that owning one will mean youíll somehow have tons of extra money. Excel has one of those programs that letís you graph everything out or plot your progress on pie charts. While they seem fancy and look cool, you canít make a silk purse out of a sowís ear, as my grandmother used to say. In other words, if you donít have the money to spend, a fancy budget planner wonít help you very much.

I donít think itís half as important if you have one of these things than it is to actually use one. Sometimes theyíre too complicated than theyíre really worth. I personally like the idea of a paper log book, a nice sharp pencil and maybe a calculator. I like the idea of seeing the numbers all work out for myself rather than having a computer do it all for me. The computerized budget planners are too abstract and it makes me nervous not to see the numbers right there.

I have a great brown leather bound budget planner. Itís elegant and, for the most part, itís easy to use. But Iíve decided thatís not my real problem when it comes to budgeting. The problem is my taking the time to make use of it. If I slack off, the numbers wonít add up and nothing really makes sense. I remember when I was making a ton of money in one of those upstart Internet companies; I didnít think I needed to worry about budgeting. I was definitely living high off the hog, though, and I needed to find a way to get my finances in order. I made a few notations in my personal budget planner and, since I was making so much cash, it didnít take long to catch up and be more financially secure. Well, as you may imagine, the dot com industry didnít last forever, so I took another position as a systems administrator. I wasnít making as much money and it wasnít a good time for me.

I felt like I never had enough money. I thought maybe I wasnít using my budget planner correctly and the bills started stacking up. I lost more than a few nightsí sleep, worrying about the whole thing. After a while, I realized that my personal budget planner was not at the root of my money problems at all. Rather, I simply wasnít making enough money to keep up with the lifestyle I really wanted to live. So, I took action and got a second job to make up the difference. It was a boring job but it paid pretty well. I quickly found that my finances were much better and Iím back to doing it the way I once did.


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