Getting Past The Idea Of Budgeting & Saving Money

I'm sure you'll agree that budgeting, saving money, and eliminating debt are very appealing ideas. If effectively tackled, these goals can secure your financial status for the future, and allow you to live a comfortable, debt-free life.

However for some unfortunate reason, these important financial goals hardly ever get accomplished, and most will continue to go through life consistently worried about their financial security, unprepared for what the future may hold.

I have been writing money saving articles and newsletters for SavingSecrets.com for over 6 years now, and after being in contact with a number of readers over the years, I found that many who were interested in learning how to effectively save money simply lacked the foundation to accomplish this.

I am a firm believer that the ability to save and budget is dependant on the plan and approach one takes. Sure many proclaim they want to conserve and save more, but how many actually accomplish this? Saying one thing and actually doing are completely different from one another. Why do you think so many New Year's Resolutions are forgotten and never heard from again?

For example, think of the times you yourself started a new hobby or goal. Were you successful? If not, how long did you stay with this new undertaking? What was your reason for quitting or not following through with the intended plan?

From this short self reflection, you can probably guess the reality most would-be budgeteers are faced with. Even though these individuals have the desire to conquer their finances, for some reason the task never gets accomplished.

What is needed to help guarantee success is inspiration and a solid approach, or what I like to refer to as a "game plan".

Think about it.

If someone wants to learn how to play the piano, realistically, they are not going to just sit down and start banging away on the keys. They'll never learn to play the piano effectively that way!

In order to tackle the process of learning the piano, an eager student will take lessons, purchase "How To Play Piano" books, tapes, cd-roms, interactive software, browse the Internet for tips and related online forums, check local college for classes and instructors, etc..

Who do you think will have more success learning to play the piano? More than likely it will be the energetic individual with the planned agenda and goals, than the dreamer without a "game plan".

Designing Your Game Plan
~~~~~~~~~~~~~~~~~

Once you fully commit to accomplish a particular task, to help improve your chances for success it is imperative that you design and follow a regiment, a well thought out "game plan".

Every task, whether it's for work or pleasure, has some type of goal or objective. If your underlying task is to clean the house, then a specific goal may be to clean the kitchen or organize the cupboards by the end of the day. If your task is to learn how to play the piano, then a goal may be to learn how to play your favorite song within a month or two.

Take notice that the goals provided are very realistic and practical. You want to establish goals that are attainable in a reasonable amount of time.

Before you start planning how YOU are going to tackle the task of budgeting and saving money, take a moment to determine what goal(s) you want to accomplish and a specific time frame for each particular goal. This will give you something tangible to strive for and help keep you focused on task, thus increasing your chances for success.

Here's an example of a practical task along with the respective goals:

TASK: Spring Clean The Whole House

GOALS:
week 1 - kitchen; refrigerator, cupboards, monthly menu, coupons organized

week 2 - garage; organize boxes, Xmas decor, scrub/polish floor

week 3 - family room & bathrooms: cleaned, scrubbed, carpet & drapesetc...

Putting Your Plan Into Action
~~~~~~~~~~~~~~~~~~~~~~

Remember the piano playing example mentioned earlier? No matter how many books or tapes you buy to help teach you how to play, unless you devote serious time to practice, you will not improve and you will not accomplish your goal(s).

Your game plan MUST be put into ACTION! Don't let your wonderfully designed agenda get lost under a heap of papers or collect dust on some obscure counter top.

Put your plan into action!

Just like the piano player, you will need to devote focused time specifically to your task in hopes of accomplishing the predetermined goals. Keep in mind that only after serious time and effort is devoted to your cause will any real changes occur.

Hopefully this has inspired and motivated you to accomplish your tasks and goals regardless of what they may be. If you need more assistance and guidance, or if you would like access to 50+ money saving articles, newsletters and creative ebooks you can download, stop by and explore our money saving resource at: www.SavingSecrets.com

Best wishes accomplishing your tasks and goals to effectively save and eliminate that ever-present debt!

Gregory Thomas has been writing effective money-saving tips for SavingSecrets.com for over six years. Hop on over and you'll find FREE money-saving articles, a monthly newsletter, and even a FREE Ebook download just for stopping by! http://www.SavingSecrets.com

More Resources

Unable to open RSS Feed $XMLfilename with error HTTP ERROR: 404, exiting

More Debt Relief Information:

Related Articles

Debt Settlement
What is debt settlement?Debt Settlement is a process to settle your debts with the creditors. With debt settlement, a third party or you yourself negotiate with your creditors to come up with a reduced debt that you agree to pay.
Do It Yourself Debt Relief
With mounting bills and unforeseen hardships, you may be considering some form of debt relief. There are many options to help you, but the best may actually be you helping yourself.
What is Debt Settlement?
Debt settlement is the process of negotiating with your creditors so that you are able to pay off a certain percentage of the debt amount that you owe. A debt settlement company will use different types of strategies to negotiate with your creditors so that you get the best outcome.
Credit Repair - Understanding The Basics
What is Credit?Credit means that you are using someone else's money topay for things. It also means that you are making a promiseto repay the money to the person or company that loaned youthe money.
Debt Help and Advice for the UK
At some time or another during our lives most of us will overspend and get into debt. Sometimes we can get our finances back on an even keel by cutting down on a few luxuries.
Deal with All Your Debts with Care!
Lots of people take a large ammount of loans and suddenly they discovered that they're in debt and life seems pretty gloomy for them, in this situation please don't despair. Most people have been there and know just how easily it can creep up on us.
Individual Voluntary Arrangements- A New Alternative to Bankruptcy
This May, the Department of Trade and Industry in the UK found that there were 10,091 bankruptcies in the first quarter of 2005. This represents an increase of 24.
Learn The Five Key Debt Reduction Steps You Must Take Immediately!
Step 1. The purpose of this first step is to bring you back to reality.
How to Become Debt Free
In today's consumer society it is all too easy to get into debt. If you have a few credit cards, car loan, mortgage and possibly student loans it can easily add up.
British Families and Debt
There is current concern from the Bank of England that British families are getting deeper into debt, however, it has been said that lenders are putting themselves at risk because people are now more willing to make themselves bankrupt.Despite people already having significant amounts of debt, credit card companies are still prepared to lend these people money.
The New Bankruptcy Law -- How Will It Affect Debt Negotiation?
In April 2005, Congress made sweeping changes in U.S.
Are You SURE Your A Bad Debt?
Many people who seek the advice and guidance of debt counsellors are driven to them in the first place by fear and ignorance - two powerful emotions which often mask the real scale of the problems.In many cases, what you made have been led to believe is a 'bad' level of debt, may instead need only some careful reorganisation and a new set of mortgage priorities.
Debt Free Living - 5 Tips To Get Out Of Debt
A few times I wonder what sort of credit system moved the global economy 200 years ago. If the intention of getting into a business is meant to 'help' fulfill the needs and wants of someone, I don't see how credit card salesmen can drove more people into debt and backruptcy.
Assess Your Financial Attitude and Eliminate Your Debt Forever
Want to know if your attitude towards your finances is helping you or damaging your future? Take this Quiz and find out..
Debt Validation: Do you have to pay ?
It happens all the time. Debt collectors try to collect on debts that consumers have no knowledge of or never owed in the first place.
Bankruptcy Abuse
Bankruptcy is little more than a smack on the hand these days. Creditors are certainly not going to look at you as a wise credit risk after bankruptcy, but that will probably not stop them from extending credit to you anyways.
Life After Debt - Strategies for Dealing with Problem Debt
Honorably and ethically rid yourself of burdensome debts using the little known Negotiation Strategy, without having to experience the loss of control and privacy associated with filing for bankruptcy, consolidation, or credit counseling.The inability to reduce debt and saving money are the two biggest obstacles preventing Americans from living financially sound lives.
Bankruptcy Reform: Designed to Protect Big Business
Who will benefit from the new bankruptcy reform laws? The financial services industry and other big business groups, that's who.These groups contributed millions of dollars to elect Bush and other Republican candidates in 2000 and 2004, with the goal of overhauling the bankruptcy system.
Credit Card Debt & the Unfairness of the Universal Default Clause
Let's look at a real world example: A woman purchased a new $4,000 large screen TV a few months ago based on the knowledge her monthly payment was going to be $175, and based on the 9% interest rate charged by her credit card company. For five months straight she made all her payments on time, but in the fifth month she was late paying her mortgage bill, for reasons unknown.
Getting Past The Idea Of Budgeting & Saving Money
I'm sure you'll agree that budgeting, saving money, and eliminating debt are very appealing ideas. If effectively tackled, these goals can secure your financial status for the future, and allow you to live a comfortable, debt-free life.