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It's Your Money is a program designed to help people under 30 take control of their finances with the help of free and unbiased financial literacy resources.
It's Your Money organizes free public programs about personal finance and financial literacy, including monthly "Talk to an Expert" sessions for one-on-one help. People are embarrassed when they talk about their finances, often…Even offering the service at the library is an attempt to break down those kinds of walls. It’s Your Money is a program designed to help 15- to 29-year-olds take control of their finances with the help of free and unbiased financial literacy resources provided by the Monroe County Public Library. The It’s Your Money website includes links to resources such as budgeting tools, practical credit card tips, investments tips for young investors, and even links to interactive games that seek to educate people about the importance of financial literacy.
Indiana Public Media is the home of WFIU Public Radio & WTIU Public Television, including your favorite programming from NPR and PBS. Origins: The money manager emerged from the combination of my budget planner, monthly budget, and checkbook register templates. As a preliminary caution, you should be comfortable using a spreadsheet and understand that spreadsheets are fairly error-prone. Download the Vertex42® Money Manager - a free Money Management Template for Excel that lets you track expenses and manage your budget!
I will be the first to admit that the most complicated part of using the Vertex42® Money Manager is customizing the budget categories.
What you need to watch out for: If you assign a transaction to a category that is not included in the Budget or Report worksheets, the expense won't show up in your reports and you'll think you have more money than you really do. I've tried very hard to include a comprehensive set of income and expense categories, so if customizing the categories is too scary, just try to use the default list. The second most difficult part of using the money management template is learning to enter transactions into the Transaction worksheet correctly and efficiently. After a while, you may find that entering transactions with the spreadsheet is faster than using Quicken because of how easy it is to copy and paste, using older transactions as "templates" for new transactions. A very important part of good money management is keeping track of how your current spending compares to your budget.
Use the Report worksheet to compare your budget to your actual spending throughout the month. Disclaimer: This spreadsheet and the information on this page is for illustrative and educational purposes only.
Some people have a mistaken impression of what I’m suggesting when I advocate that strategy. I am simply suggesting that, over time, many of us lose sight of the things we value most deeply, and money issues and our desires to always want more often get in the way of achieving those things.
It isn’t until we design our lives and lifestyles around those beliefs – when we prioritize the things we value the most at the top of our lists – that we find true happiness and fulfillment.
To make a lot of money, I had to accumulate massive amounts of knowledge, proficiency, and experience. Someone who makes a lot of money cannot possible be contributing anything useful to society. When I thought deeply about my attitudes and beliefs – and when I reflected upon them by writing my thoughts in my journal – I quickly came to realize that I was sabotaging not only my financial well being, but also my overall well being. Many people I know and have read about don’t work extremely hard, yet they do make money – enough money to cash flow their lives and lifestyles.
Many people are, in fact, contributing substantial value to the world through their vocations. Once I embarked on the journey to change my old beliefs, conventions, and paradigms about money – and if I persistently work to reinforce my new beliefs – I can find the confidence that I need to design a life that nurtures my financial and overall well being. We’re at the beginning of a rising interest rate cycle, so you could be forgiven if you are feeling a little cash-strapped. Credit record: Bear in mind that because a personal loan is unsecured, you will end up paying a higher interest rate than you would, for example, on your home loan where your property is the security.

Interest rate: As per the National Credit Act (NCA), the maximum interest rate that you can be charged on any credit agreement entered into after June 1, 2007, is regulated. Shop around: Find out what loans and interest rates you qualify for at different financial institutions.
Honesty is the best policy: When you apply for a personal loan, think past the Rands that will be landing in your bank account and be a responsible borrower. Payment terms: Find out what your options are when it comes to payment terms and don’t be shy to ask credit providers for several different scenarios.
As your household grows, it can be easy to get lost in the paperwork that comes with doing your bills and making sure that everything gets paid on time. Chances are that you have already set up a working budget system, whether it is Richard Jenkins’s famous “60 percent” solution, the envelope system, or another method of tracking your bills. The key to shifting gears is to think beyond just the system that gets the bills paid, and to ask whether or not there is a more advantageous way to structure your debts and regular bills. Depending on how your debt is structured, consolidation might be able to save you significant amounts of money. Large, multi-line insurance carriers like Nationwide offer significant savings to people who combine plans by bringing their auto and home insurance coverages together. This kind of reassessment will allow you to catch your personal financial planning up to your current position, and it will also keep the number of outgoing bills you need to monitor in check. The program focuses on five subject areas: budgeting, saving, spending, credit and debt management, and investing.
RSS makes it possible to subscribe to a website's updates instead of visiting it by delivering new posts to your RSS reader automatically. Its mission is to provide a glimpse at the wide range of non-profit services and organizations in South-Central Indiana. It has long been my goal to create a simple, macro-free, money management spreadsheet that provides the same functionality as basic budgeting and money management software.
By that I mean that even if the spreadsheet is completely free of errors at FIRST, there is no guarantee that you won't accidentally introduce errors yourself.
Include your Credit Card account(s), Checking account(s), Savings account(s), and even an account to represent your Cash, Purse, or Wallet. Use the reconcile (R) column in the table to enter cleared "c" and reconciled "R" transactions.
I've added conditional formatting to help prevent these types of mistakes, but the spreadsheet is definitely not error-proof. For now, you can learn about creating a budget in almost any personal finance book, reading online blog articles on budgeting, etc. If you have a good understanding of how to copy, insert, and delete rows, it should be piece of cake. You might check your budget status on a weekly or even daily basis, but you should at least manage your money on a monthly basis.
You can change the month by simply entering the month number (1 for January, 2 for February, etc). Many of us struggle with this very issue throughout our lives – including myself – especially in this day of $95 per barrel crude oil.
We have to do some soul-searching to determine what beliefs we have about money that are keeping us from living the lives we desire. I simply need to remember my direct experiences and take the second step: Turning my knowledge and experiences into positive affirmations.
They have written for the LA Times, The Washington Post, President Bill Clinton's White House, Forbes, and more. Or maybe you can’t wait six months to pave your driveway and the idea of a personal loan is becoming increasingly tempting?
The good news is that personal loan rates are negotiable and you can reduce the interest rate that the loan provider is likely to grant you by maintaining a good credit record.

The maximum interest rates for different credit agreements are calculated using the repo rate, set by the South African Reserve Bank.
You may be offered a more attractive interest rate at your own bank, based on your history. All credit applications now require creditors such as the banks to carry out an affordability assessment before granting you credit. Having children, getting married, and buying or selling assets can complicate things, making it difficult to stay ahead and to know that every dollar you spend is working as hard as you want. For most of us, something like this is essential to getting started with budgeting, and by the time you are asking how efficient the system is or whether it is going to keep working as your family grows, you’re already dependent on it. By moving debt, bundling services, and discussing payment plans with various providers, you can usually trim a few dollars from your balance sheet while also simplifying the monthly paperwork. Most people are familiar with this tactic when it comes to things like television and internet service, cellular phone plans, and other technological services.
They also tend to provide specialty services, like riders for expensive personal items and life insurance packages that can be added to existing policies to make a great deal. Just remember to keep things in balance: you don’t want to overhaul your financial plans too often, because it is labor intensive, but you also don’t want to let things go and wind up missing out on a chance to strike a bargain.
A simple spreadsheet will never do everything that dedicated software can do, but the new Vertex42® Money Management Template comes amazingly close.
Essentially, you just need to make sure that the categories are exactly the same in all worksheets.
It is very important that you always copy entire rows (instead of inserting blank rows) so that you preserve the formatting, data validation, and formulas that are both visible and contained in hidden columns. If you know how to define "Lists" or "Tables", go for it, but make sure you know what you are doing. In addition to interest rates make sure you compare other charges as well, such as annual fees. Check if your repayment will escalate in line with interest rates or if you can obtain a fixed repayment figure. Luckily, there are a few ways to clean up your monthly expenses that will not only save you time, but also money. Doing something like putting credit card debt into a lower-interest personal loan or using a low-interest home equity line of credit to pay off several smaller loans will not only reduce your monthly payments, it can also save you real money in the long run. Use the built-in Excel autofiltering to display transactions for a single account or all accounts. If you know how to use Autofiltering, you may find it convenient to use the filtering to display transactions for a single Account at a time when you are reconciling. I also have no plans in the future to add the ability to automatically import transactions from your bank or other financial institution.
Although it may seem tempting to fudge the figures so that you can get the money, you will end up regretting it if you can no longer afford to pay your debt later down the line.
Also check if there are any penalties or settlement fees payable should you choose to settle the loan early. Many people who don’t carry adequate coverage do so because of the perceived expense, and a big part of that perception is a lack of understanding about the options.
Visit your local insurance agent to find out more about how to bring all your coverages together. Remember, a bank cannot be accused of reckless lending if you deliberately give them false information regarding your income and expenses.
If you want that kind of functionality, you may want to use some other dedicated budget software.

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