Author: vmvhauser

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Reward yourself monthly by saving money. Let’s talk about graphs. This is Another example of a budgeting graphs that i have. you can develop a graph from your income Coming in and from subtracting your bills going out. Now this all looks great that you have made a graph but that is not the hard part. The hard work will begin when you make the changes and Apply it every day in your life. You must Discipline your self on a daily Basis. You can find this type of graphs in Microsoft excel or apple numbers to get started.

This is how the graph works.

The top part of this graph is all your income coming in for the month then you add up all the figures for the total. it the green section.

Next section is all your bills for the month money going out you would add up all of the amounts for a total amount. this is the red section.

The last section is the Difference between Total income coming in and subtracting total money going out. this gives you the Difference and that will be on Minus side – or the addition side + of the budget that you have created.

If you cut out some spending it will bring you some savings to the plus side. Items to slow down on would be eating out, StarBucks and Smoking.

Your graph may look Different than mine but that is ok. I hope You get to save a lot of money for your emergence and savings funds in case you need money.

I will get back to this soon

BUDGETING 

My Budgeting Blog 

This is a good place to start. 

Section 1

Yes this is my first post I would like to get your attention about budgeting . It is not so bad because it will give you some balance to your life by having you control your finances instead of your finances controlling you.

 This is about getting hold of your finances and getting to even and saving money. Some people have gotten to the point  of spending to much and run out of money to pay bare essentials. 

Having to much expenses that you must pay for and not to much income to cover it means that you are in DEBT.

Some people need to go the a financial institution to help them out of debt . Also show them how to balanced their finances because the are into deep of a mess of the bills piling up.

Section 2

Help is on the way this will help you get out in-front of your debt and find your savings that you deserve.

After trying this method out you should be better off. 

Q. Why should I pay my bill on time? 

A. If you pay your bills on time you will develop good credit and it will reflect on your credit report that will follows you everywhere. So you can buy things on time if you like furniture, car, get a better interest rate, education loan, mortgage will be lower and a better jobs. 

People are saying.

Not enough income to pay bills?

I can’t control my spending.

I spend to much.

I don’t have the smarts to do the paper work to get control of my finances. Yes you can everyone can do it.

I have a large amount of wants and needs but I don’t have much income.

I  cannot find money to pay bills.

The money that get is only mine to spend as much as I want with no limit on it. Yes the money is your but you need to pay down your debt.

Everyone of these Questions is in need of a balanced budget.

Q. My old subscriptions keep taking money out of my account. Why ? How to stop it?

They are on auto renew or a scam please verify each transaction.

A.  Go threw your last  6 to 12 month statements and review what is being taken out. Contact each one that you want to get a  better rate and cancel the ones you don’t want. Check your statement again to make sure they did cancel your subscription. I have canceled my cards and review each item that was taken money out and decided to add it to the new card or not that will free up debt.  That will free up some money and get rid of old items you don’t need.

Q  Money 💰 flys out of my pocket and my banking account cash , credit cards  and loans what to do about it.

Control  your spending.  

Bring your spending to a halt.

A. keep track of all you expenditures of the day, week and month keep all receipts in an envelope or in a safe place to keep them in one place.

Add of them up and get a total amount.

Find out how many times you go to each one and how much you spend.

Stop buying on impulse spending and save your money. 

Ask yourself which one can I stop or want to stop to save money.

 You must evaluate your finances by the week, month and year.

Look at the Example below. 

Income (🤑coming in – Expenditures going out💸= savings 💰on the  + plus side or debt on the – negative side.

Section 3

Conclusion 

Question : How will you save money on your bills? Start working on right now .

Don’t wait. 

In the section below please see where you could save money.

Coffee and food

After looking at this information I would have coffee food at home or bring it with me.  Savings would be $113.08  per month and $1,356.96 per year nice!

2. Eating out Meals

I would find time to eat first before going out or wait till I get home and maybe have a small snake that I brought with me. Savings would be $373.63  per month and $4,480.32  per year Wow!

 I would get rid of Door-dash because I could pop in the the market and buy food and save $40 dollars and $480 for the year. Nice it may be small but in the long run it is a savings. 

Total savings per yr for Coffee and food & Eating out meals is $5,837.28

adding Door-dash for the yr is  $6,317.28 This could be your big win for  savings.

Section 1A

Hello I am Vincent Hauser and this is my blog Mar 25 2025. I have Chosen to talk about budgeting and how too save money at the same time. I am retired now from my regular job and put away the Construction tools and started to Learn program Languages and pick up my old writing passion.

i Have taken some classes on Financing and accounting and now i get to use the information. Since I can not remember all the short cuts in budgeting I had to go on the Internet and research what I was trying to do and apply it to my problem and figured it out what work for me. So don’t be Affair of looking for more information Until you are satisfied that you found a way to do it that makes Sense to you.

I am not an expert or and a Authority on the Subject but I know I can tell you about what works for me and what did Work for me in the past and when i must get the numbers down. I use these tools to get started on Saving money when I need to adjust my spending. I call this crunching the number or the old saying is to Make the Nickel stand up on end getting a budget so tight.

Have a great day