Three Simple Ideas that Helped Me Budget Better

My parents have taught me one of the most essential things a person must have: a budget. A lot of people take this idea for granted and end up regretting their purchasing decisions until it is already too late. The ultimate roadblock that keeps people from setting a budget is making it a habit. Ever since I was little, I’ve been keeping track of my expenses and savings in the hopes of becoming financially independent one day. My budgeting strategy evolved as I aged and I would like to share to you three simple ideas to help you come up with a budget plan.

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Why Everyone Needs a Budget Plan

Once you have created the perfect budget plan for yourself or your family, you will realize that you have been wasting your money on petty (and useless) things. I am referring to beverages, alcohol, cigarettes, gadgets, too many clothes, diet supplements and such. These things are wants and not needs. You can even live without them. All of these useless junk will reflect on your budget plan and it will help you eliminate all the unnecessary expenses later on.

Idea #1: Personal Finance Planning Programs

These financial planning programs will help you organize and categorize your cash flows and expenditures. Every single detail of your finances will be presented with a cost analysis, which will make you reflect on your recent financial decisions. These programs allow you to input monthly payments and other expenses.

Some personal finance software even allows users to monitor their tax payments and make sure that they are not missing anything. Depending on your chosen system, the software will help you create a sensible monthly budget using graphs and diagrams. These features will demonstrate your current spending habits, and compare them with your investments, savings and bank accounts.

Some of these programs can be used for free while others offer packages for a fee.

Idea #2: Online Money Dashboard Services

Online money dashboards allow me to view all of my savings accounts and credit cards all in one place. This is a very convenient option for me because I no longer have to log into several money – planning websites or plunge onto the sea of bills and statements. It works similarly as when you use a personal financing program, especially with budget illustrations using diagrams and graphs. This is a very useful budgeting tool that helped me monitor all my bank accounts whenever I want. Continue reading

Best Three Artists of Today’s Generation

Take a moment and look at who’s who in the entertainment scene nowadays. I believe that the world of entertainment has the prettiest, most glamorous and widely talented people there can ever be. This is pretty much not surprising because of the way pop culture has impacted public perception and how it has placed premium on looks. I have seen how the most captivating gets the edge, the best looker lands the roles and people just naturally adore beautiful people. Yes, including me.

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Beauty and Talent

I cannot discount it though, that there are beautiful people in the artists industry who do not only possess outstanding looks but are also very good at their craft. Indeed, it is not beauty alone that propelled them to stardom but their great talent and well-honed skills as well. These are the gifted ones, stars whose brilliance shine even when they are not in the limelight. Let me share with you my top three picks of the modern artists in three different fields: film, music and arts.

One of Film’s Finest Today

Hollywood’s “it” girl, 3-time Oscar nominee and winner Jennifer Lawrence would have to be one of the best there is for me. She started with minor roles at first then catapulted to stardom as Katniss in mega blockbuster hit The Hunger Games. What is really inspiring about her though is her natural candor and class. She does not appear to have allowed her popularity to get into her head. She is reported to have been kind to other people and has not been dragged in scandals that are not uncommon to stars in her generation. With more films lined up for her, Lawrence star will continue to shine even brighter. Continue reading