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 & drapes etc...

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

---

Debt Elimination

If you're reading this article right now I'm sure that... Read More

New Bankruptcy Legislation May Make it Harder to Find an Attorney

The recently passed Bankruptcy Abuse prevention and Consumer Protection Act... Read More

Budgeting and Debt Management

Debt management (specifically unsecured) is the first step to taking... Read More

Bad Credit Home Loan To Get You Out Of Debt

A "bad credit home loan" can help you climb your... Read More

Is Debt Negotiation Bad?

Educating yourself about the ins and outs of debt negotiation... Read More

Debt: Dont Pay Your Minimum Balance

Almost all Americans carry credit card debt. Actually, over 40%... Read More

Bankruptcy Interest Increases as Deadline Approaches

Congress recently passed sweeping legislation that will significantly reform American... Read More

Credit Card Debt & the Unfairness of the Universal Default Clause

Let's look at a real world example: A woman purchased... Read More

How Do You Spell Debt Relief?

Of all the problems possible in a marriage, finances cause... Read More

4 Simple Ways to Solve Your Debt Burden

Getting Behind Getting behind on your debts owed can be... Read More

Credit Repair? Its All Up to You

Log onto to a search engine such as google.com and... Read More

Debt Reduction, a Necessary Endeavour

Massive debt is something many Americans face. Debt reduction is... Read More

What is Debt Settlement and How Does it Work?

Debt settlement involves negotiating with a creditor or creditors to... Read More

Dont Let The Good Times Bury You

It is vital to get rid of debt while things... Read More

Fast Track Out of Debt

You go to the mail box and scan - a... Read More

Senate Passes New Bankruptcy Law

The United States Senate passed a law on March 10,... Read More

Bankruptcy: What You Need to Know

Personal bankruptcy is a legal way to give people with... Read More

Debt Collectors; And what you can do to Get Them Out of your Life

FTC opinion letter on validation Section 809(a) of the FDCPA,... Read More

Debt Relief with this Simple Formula

Is there a way to get out of debt without... Read More

Deal with All Your Debts with Care!

Lots of people take a large ammount of loans and... Read More

Debt Management Systems

What is a debt management system, and when do you... Read More

Debt and Financial Optimism in the UK Continue

With £1.3 trillion pounds worth of debt in the UK,... Read More

Are You Beating Up On Yourself About Debt?

When you hear the word "debt", whats the first thought... Read More

Solutions to Single Mothers in Debt

As a single mother, lets admit it, times get tough.... Read More

UK Debt When Moving Abroad

The idea of moving abroad to escape debt seems to... Read More

Reduce Your Debt

Do you want to reduce your debt? Having trouble paying... Read More

Creating A Realistic Budget

Budgeting -- ooh, what a scary word! If you want... Read More

Tips To Take Control Of Debt Collection

Yes, debt collection tips can help. You may think you... Read More

Debt Elimination 3

Planning To Achieve Debt EliminationOnce you have started the process... Read More

How to Avoid Bankruptcy

Bankruptcy is a legal way to offer folks with high... Read More

Debt Validation: Do you have to pay ?

It happens all the time. Debt collectors try to collect... Read More

Bankruptcy: Which Chapter Do I File?

There is more than one kind of bankruptcy. You should... Read More

Debt Handling Solutions

Sometimes debt can seem overwhelming. In those instances, or even... Read More