warning icon

This website uses the latest web technologies so it requires an up-to-date, fast browser!
Please try Firefox or Chrome!

Personal-Finance-PlannerPersonal Finance Planner

The older I get the more I can see why old people are so happy. It seems like the older people get the happier they are, even if their personal finances seem to be in disarray. I think I am really lucky to have started to figure out what is the key to happiness for them, and it isn’t the latest gadgets, the big house, or the fancy clothes. It is building relationships with people that are important to them. Not the folks in the office, but those closest to you, like your spouse and children. That is where most people draw their biggest delights in life. While you may think you need a personal finance planner, I can assure you that if you are mildly interested in your financial future you can do most of it on your own (unless you already have a fortune that is!)

Money Manager Software

If you have never had a budget or are living paycheck to paycheck and using payday loans, I can tell you that the first thing you should do is to make a budget. It doesn’t have to be any kind of fancy money manager software, starting out it could just be a notebook keeping track of every expense you make. Eventually you will want to get it into some sort of spreadsheet, or perhaps use some online budgeting tools until you get the hang of it. However, once you realize how valuable your money is, you will stop needing a budget because you will already be thinking really hard about every purchase you make, especially the recurring payments that you may have.payday-loans

Free Personal Finance Programs

If you look online for some free personal finance programs, you will likely find several that are free to try out for a little while before they require you to buy them, but don’t fall for the ones that will lock you out after you have built your budget in them, because you will either have to start over or pay for the program to continue.

Financial Advisor Career

Once you find a method to keep track of expenses, just worry about logging everything down.These days you can almost live entirely without cash and just log your bank statements into the ledger, use your online banking feature to even pay your bills online. After a few weeks, or a couple of months you can begin to look for ways to save money on your current expenses. Do this regularly and you will be surprised how many different ways there are to save money without scrimping.


No there are people that may need to scrimp, but if you have a decent job you probably have a number of unnecessary expenses that can be cut. After you have been doing this, you may very well feel prepared for a financial advisor career working for a personal finance company, not that you will need the extra money at that point, but you may very well do the world a favor and start spreading the word about frugal living.

Money Tracking Software

One of the things that will keep you motivated is to think about what is important to you, and my guess is that it will not be a 30 minute commute followed up with 8 hours of cubicle life for all your days. Get your priorities straight, then start using some sort of money tracking software and you will begin the journey to financial independence.

Home Accounting Software

Some people may find that they feel better with some home accounting software, but believe me, once you start down this path you will realize that all you did with that purchase was to delay your goals even more. Start saving today so you can live your life the way you want to when you no longer have to work for “the man!”

TAGS: payday loans, personal finance company, save money on your current expenses., spreadsheet