There goes my next paycheck.
We pre-fund our month’s budget. That means the money we’re making right now in February, is funding our budget for next month. That money just goes into savings to wait for next month. My paychecks also really vary because I don’t always work the same number of hours each week. That can be problematic. Here’sContinue Reading
My wife, daughter, and full-time job are more than 5,000 miles away. I’ll spend the next month sharing a tiny room with three strangers from Armenia, Vancouver, and L.A. Though I’ve been preparing for my trip for months, I didn’t quite know what to expect when I got on the ground. Now I’m here to help other Sochi-bound travelers get in the game by sharing what I’ve learned so far.
Our archive is still down, but in the past we’ve shared with you George Foreman grill-like countertop appliances with very specific purposes. These include mini pie makers, donut makers, and …
Learn how to budget your Social Security benefits properly.
Managing your money is difficult. Have you ever gotten to the end of the month and thought, “where did all my money go?” What about your savings? If you’re putting back enough money, then that’s great, but many of us have next to no clue where our money goes each month. And it’s no wonder, modern life has SO many demands on our time and attention… who wants to deal with the headache our finances and budget bring? What you need is a simple plan of action that can move you towards a better financial future. The 50/30/20 Budget Rule is an easy way to get your monthly budget working for YOU. This rule states that you plan for your paycheck to be split three ways: 50% to Needs (bills), 30% to Wants (fun money), and 20% to Savings and Investments (the future). However, sometimes we need a little help to stay on track. That’s exactly where our template can really help you. In Step 1, you’ll see what your budget target SHOULD be according to the 50/30/20 rule based on your take-home pay. Our template goes a step further, though, as you’ll also be able to count your pre-tax Savings in. Most other template’s won’t even consider this, but we know that being able to count these contributions can be important if you need more room in your budget for your Needs or Wants. Step 2 is where you are going to put your money where your mouth is (pun intended). You’ll list your monthly expenses to see how you are REALLY doing. Even if you aren’t on track for an exact 50/30/20, that’s okay! Once you’ve finished inputting all your expenses, we show you in Step 3 how you are doing compared to your target budget (from Step 1). The real gold is this: you’ll also get recommendations for how to make adjustments that can actually help you move forward. What other template is going to give you that? So, what are you waiting for? Download this Ultimate 50/30/20 Budget to start moving towards real financial change. What you get: - A robust, yet simple-to use Budgeting tool - Step-by-step instructions to guide you through the process - Functionality you won’t get anywhere else - Pre-tax savings you can choose to apply to the rule - Tailored results aimed to helping you adjust your finances - Comparisons between your actual and target budgets that help you adjust month to month - Downloadable and re-usable Google Sheets - Q&A that will guide you through some specific questions you may have For the Excel version, click here: https://www.etsy.com/listing/1412336150/503020-budgeting-template-budget-goal?ref=listing_published_alert GREAT FOR: - You - Couples - Married - Singles - Single-income families - Dual-income families - Families - College Students - Budget aficionados - Budget beginners - Everyone in between ABOUT DIGITAL DOWNLOADS: • This is a digital download. No physical items will be sent after purchase. • Due to the digital nature of the product, all sales are final and no refunds will be issued. If you have any questions, please reach out directly. • Once you’ve placed your order, a PDF file will be available HERE: http://www.etsy.com/your/purchases • Please note: Etsy currently doesn't allow downloads via its app. To download the digital file, please make sure you are signed in to Etsy on your mobile browser or computer. • For more information on digital downloads with Etsy: https://www.etsy.com/help/article/3949 • All materials included in this purchase are for personal use only. No part of it can be distributed, sold, duplicated, reproduced, or used in any form without the written consent of the author. • The contents of your purchase are for informational and educational purposes only. It is not intended to be financial, legal, or accounting advice. We will not be liable to any person for harm, damages, loss, claims, costs, and other liabilities with regards to your use of the documents.
Our Monthly Budget Overview Template provides you with a simple, easy-to-follow monthly budget plan to help you stay on top of your money. This downloadable template is available in both US and A4 Sizes, so it’s perfect for no matter where you are! --------------------------------------------------- ✅ DESCRIPTION: Monthly Budget Overview Template --------------------------------------------------- ✅ WHAT’S INCLUDES IN YOUR ORDER & WHAT YOU WILL RECEIVE? - PLEASE NOTE that this is a DIGITAL DOWNLOAD listing. NO PHYSICAL PRODUCT will be mailed to you. - After your purchase is confirmed, you will receive an e-mail from Etsy with a link that will direct you to your downloadable including: 1- A zipped folder with: - Monthly Budget Template: US Letter & A4 Paper Size - PC & Mac Compatible - 10 Color Schemes. 3- Download Instructions PDF file. 👉 It could take a few minutes to show up in your inbox. Be sure to check your spam/junk folders in case it does not come into your inbox after a few minutes. --------------------------------------------------- ✅ WHY ODER DIGITAL FILE Order? - Instant Download - No Waiting - No Shipping Fees - Print from Home or Office. --------------------------------------------------- ✅ HOW TO ORDER? - Purchase the listing - Within minutes of purchasing, you should receive a download link through Etsy. --------------------------------------------------- ✅ REQUIREMENTS: You need to have MS Word 2007 or newer to edit and modify this Monthly Budget Template, as well as a basic understanding of how MS Word works. --------------------------------------------------- ✅HOW DO I ACCESS ETSY DIGITAL FILES FROM MY ACCOUNT? To access your digital downloads from your Etsy account: 1. Follow the link in your email to go directly to the digital download that you purchased. 2. Sign in to Etsy.com and go to Your account. 3. Go to Purchase and reviews. 4. Next to the order, select Download File. This goes to the Downloads page for all the files attached to your order. ✅ NOTES: - On the download page, you will see the Etsy digital download file size. Each digital product is a different size. - Once you have downloaded your digital files, you can take the next steps for printing as you would for any file on your computer. - If you’re having trouble accessing your digital download, Etsy has a help page to assist you. --------------------------------------------------- ✅HOW TO DOWNLOAD PROFESSIONAL MONTHLY BUDGET OVERVIEW TEMPLATE FILES ON IPHONE, IPAD OR ANDROID APP. You can't print or download Etsy digital files on the app. Instead, access them from a non-mobile desktop computer or your mobile browser. --------------------------------------------------- ✅ NOTES: - A confirmation email will be sent to the email address linked to your Etsy account. You can also download the files from under purchases and reviews section in your Etsy account. - Click here for additional help: https://help.etsy.com/hc/en-us/articles/115013328108-Downloading-a-Digital-Item --------------------------------------------------- ✅ PRINTING PROCESS The final project of the monthly budget template will be determined by the quality of the printer and the paper. 👉Please keep in mind that colors on a monitor may vary slightly from how they appear in person or how they display on viewing device to another due to color calibration of your device or monitor. 👉 Please note, this listing is for an instant download, no print will be mailed. Props and frames are not included. 👉 Printing the file: You can print at home, office or print shop. 🤍 If you require a custom edit, please don't hesitate to contact me! 🤍 🤍 I am very quick to respond so please let me know if you have any special requests 🤍 --------------------------------------------------- ✅ ADDITIONAL BUDGET TEMPALTE OPTIONS🤍 👉VISIT THE SECTION: https://tinyurl.com/33zpdvmy --------------------------------------------------- ✅ UNLIMITED NUMBER OF COPIES CAN BE MADE. --------------------------------------------------- ✅ REFUNDS & EXCHANGES: Every printable purchase is non-refundable, as there is no way for me to tell whether you have printed the design. Please don't hesitate to message me with any questions or concerns! --------------------------------------------------- ✅ COPYRIGHT NOTICE: This Monthly Budget Template is copyrighted by PERFECT KIT. This purchase is strictly for non-commercial, personal use only. You may print and design in your home, business, or public place but may not resell, reproduce, distribute by electronic means or profit in any way from the design. Best Regards, Perfect Kit.
Resin Wood Ring for Women - Exotic Wood Ring with Transparent Resin Top Makes Stunning 5th Anniversary Wood Gift for Wife. Landscape ring. THE WOOD I fastidiously select only the highest quality of wood from noble tree species that encase a piece of nature, spirit and energy from the place where it was growing. The wood is finished with natural and eco-friendly carnauba wax and flaxseed oil to give a lovely matte lustre as well as make it weatherproof. THE RESIN The resin has a high clarity, hardness and the most optimal light refraction. It is painstakingly shaped and polished to give it a superior luster and sparkle. Be assured that a great pride of craftsmanship goes into making every piece in our shop. The ring is also hypoallergenic and eco-friendly, so it will not cause any skin reaction. CUSTOM SIZING The ring typically measures 21mm (.82”) long x 10mm (.39”) wide x 27mm (1.06”) high, however it is custom made to fit your exact finger for a perfect and comfortable fit. Therefore, please indicate your exact finger size in “note to seller” upon checkout along with any other requests. Please note that because every ring is handcrafted using natural materials, it will have its own unique structure, color and shape. No two can be reproduced alike making yours truly unique! See all my handmade rings from wood and resin: http://etsy.me/2rtU7kV If you have any questions regarding this ring, just select the “Ask a Question” button next to the price and I’ll get right back to you. Thanks for shopping at Forest Magic with Rivka!
