<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:blogger='http://schemas.google.com/blogger/2008' xmlns:georss='http://www.georss.org/georss' xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-8536404366328312461</id><updated>2024-10-06T22:16:01.783-07:00</updated><category term="budgets"/><category term="finances"/><category term="making good decisions"/><category term="budgeting"/><category term="learning"/><category term="money"/><category term="money management"/><category term="setting up a budget"/><category term="Deductions"/><category term="Itemizing"/><category term="budget prep"/><category term="check register"/><category term="easy budgets"/><category term="formatting"/><category term="options"/><category term="planning your retirement"/><category term="rolling total"/><category term="saving for a car"/><category term="tracking expenses"/><title type='text'>Personal Budget Helper</title><subtitle type='html'>After noticing that so many people these days are struggling with budgets due to the changes in the economy, I thought it would be nice to help out and share things that I&#39;ve learned in the corporate world that come in very handy when dealing with belt tightening.  I hope the tools and ideas that I am able to share will ultimately help those who really want and need the help.  Please take time and complete my survey at the very bottom of the page.  Thanks and good luck!</subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='http://realpeoplebudgets.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/8536404366328312461/posts/default?redirect=false'/><link rel='alternate' type='text/html' href='http://realpeoplebudgets.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>Sid</name><uri>http://www.blogger.com/profile/11075938499927869286</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='27' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgkMV62Fl1Gz5GLyqy-pf_mk7_dSZkyxqdNVrMgV1rR9ZHcYgAThtAZXSzMoGQIz0hURtDdsxMzkYmXTyjB0cDKMStEbUUYfum0NkFRUcyVdEy9nigol32qRYIkMth4BXo/s220/IMG_2702-1.jpg'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>5</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-8536404366328312461.post-7770468624034411047</id><published>2017-03-26T10:02:00.004-07:00</published><updated>2017-03-26T10:23:47.356-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="budget prep"/><category scheme="http://www.blogger.com/atom/ns#" term="budgeting"/><category scheme="http://www.blogger.com/atom/ns#" term="budgets"/><category scheme="http://www.blogger.com/atom/ns#" term="Deductions"/><category scheme="http://www.blogger.com/atom/ns#" term="finances"/><category scheme="http://www.blogger.com/atom/ns#" term="Itemizing"/><category scheme="http://www.blogger.com/atom/ns#" term="learning"/><category scheme="http://www.blogger.com/atom/ns#" term="making good decisions"/><category scheme="http://www.blogger.com/atom/ns#" term="money management"/><category scheme="http://www.blogger.com/atom/ns#" term="tracking expenses"/><title type='text'>Not just BUDGETING but TRACKING Expenses</title><summary type="text">I haven&#39;t posted in quite some time.&amp;nbsp; Sometimes, life takes over.&amp;nbsp; However, I was surprised and please to find a request for a working template of my Rolling Total Budget. This is the first request I have received via my blog but I have had many requests from friends and family members for my budget.&amp;nbsp; Again, this does take a working knowledge of Excel but it is extremely effective.</summary><link rel='replies' type='application/atom+xml' href='http://realpeoplebudgets.blogspot.com/feeds/7770468624034411047/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://realpeoplebudgets.blogspot.com/2017/03/not.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/8536404366328312461/posts/default/7770468624034411047'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/8536404366328312461/posts/default/7770468624034411047'/><link rel='alternate' type='text/html' href='http://realpeoplebudgets.blogspot.com/2017/03/not.html' title='Not just BUDGETING but TRACKING Expenses'/><author><name>Sid</name><uri>http://www.blogger.com/profile/11075938499927869286</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='27' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgkMV62Fl1Gz5GLyqy-pf_mk7_dSZkyxqdNVrMgV1rR9ZHcYgAThtAZXSzMoGQIz0hURtDdsxMzkYmXTyjB0cDKMStEbUUYfum0NkFRUcyVdEy9nigol32qRYIkMth4BXo/s220/IMG_2702-1.jpg'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSxQYPjOuHd9fYJ9cwCmObNnV7sviggHBPHDjxZzA7zfo3sXYIhp_UzxXeZ4uj5ce_t965jwXcLuGUaQ6z-8_QZlavAmfvtz02fvYA3eRrsdt-29_rHQPsbmdy0eaouICekuykrZOXjTc/s72-c/Itemizations.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-8536404366328312461.post-5540194877546261015</id><published>2011-12-26T22:09:00.000-07:00</published><updated>2011-12-26T22:09:28.669-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="budgeting"/><category scheme="http://www.blogger.com/atom/ns#" term="budgets"/><category scheme="http://www.blogger.com/atom/ns#" term="easy budgets"/><category scheme="http://www.blogger.com/atom/ns#" term="finances"/><category scheme="http://www.blogger.com/atom/ns#" term="planning your retirement"/><category scheme="http://www.blogger.com/atom/ns#" term="saving for a car"/><category scheme="http://www.blogger.com/atom/ns#" term="setting up a budget"/><title type='text'>Now is the time</title><summary type="text">If you want to get your budget started, why now start now?&amp;nbsp; Its the perfect time.&amp;nbsp; The year is winding down.&amp;nbsp; You might want to get things in order to take care of those credit cards you used for Christmas or to start planning ahead for next Christmas.&amp;nbsp; Most people make New Year&#39;s resolutions...this could be yours.&amp;nbsp; Start 2012 with a head start on your finances and fill </summary><link rel='replies' type='application/atom+xml' href='http://realpeoplebudgets.blogspot.com/feeds/5540194877546261015/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://realpeoplebudgets.blogspot.com/2011/12/now-is-time.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/8536404366328312461/posts/default/5540194877546261015'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/8536404366328312461/posts/default/5540194877546261015'/><link rel='alternate' type='text/html' href='http://realpeoplebudgets.blogspot.com/2011/12/now-is-time.html' title='Now is the time'/><author><name>Sid</name><uri>http://www.blogger.com/profile/11075938499927869286</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='27' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgkMV62Fl1Gz5GLyqy-pf_mk7_dSZkyxqdNVrMgV1rR9ZHcYgAThtAZXSzMoGQIz0hURtDdsxMzkYmXTyjB0cDKMStEbUUYfum0NkFRUcyVdEy9nigol32qRYIkMth4BXo/s220/IMG_2702-1.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-8536404366328312461.post-8734891757339643203</id><published>2011-12-23T09:56:00.005-07:00</published><updated>2011-12-23T10:57:24.666-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="budgets"/><category scheme="http://www.blogger.com/atom/ns#" term="check register"/><category scheme="http://www.blogger.com/atom/ns#" term="formatting"/><category scheme="http://www.blogger.com/atom/ns#" term="rolling total"/><category scheme="http://www.blogger.com/atom/ns#" term="setting up a budget"/><title type='text'>Budgeting your way</title><summary type="text">Paper budgets used to be the way to go.&amp;nbsp; Hanging out in an office or on your desk at home plugging numbers into the old ledger an using your calculator or 10-key to bring the numbers home.&amp;nbsp; I used to do my budgets this way back before I had a computer.


For the past 15 years or so, I&#39;ve been completely computerized.&amp;nbsp; Originally, I had to design my budget from scratch because I </summary><link rel='replies' type='application/atom+xml' href='http://realpeoplebudgets.blogspot.com/feeds/8734891757339643203/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://realpeoplebudgets.blogspot.com/2011/12/rolling-total-budget-format.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/8536404366328312461/posts/default/8734891757339643203'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/8536404366328312461/posts/default/8734891757339643203'/><link rel='alternate' type='text/html' href='http://realpeoplebudgets.blogspot.com/2011/12/rolling-total-budget-format.html' title='Budgeting your way'/><author><name>Sid</name><uri>http://www.blogger.com/profile/11075938499927869286</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='27' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgkMV62Fl1Gz5GLyqy-pf_mk7_dSZkyxqdNVrMgV1rR9ZHcYgAThtAZXSzMoGQIz0hURtDdsxMzkYmXTyjB0cDKMStEbUUYfum0NkFRUcyVdEy9nigol32qRYIkMth4BXo/s220/IMG_2702-1.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-8536404366328312461.post-657559413659847489</id><published>2011-12-18T08:54:00.002-07:00</published><updated>2011-12-18T08:55:56.663-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="budgets"/><category scheme="http://www.blogger.com/atom/ns#" term="making good decisions"/><category scheme="http://www.blogger.com/atom/ns#" term="money"/><category scheme="http://www.blogger.com/atom/ns#" term="money management"/><category scheme="http://www.blogger.com/atom/ns#" term="options"/><title type='text'>Budget fail</title><summary type="text">I have become increasingly aware of how difficult it is for most people to budget their money.&amp;nbsp; After having listened to many different people and reading a lot of blogs/Facebook posts, it is clear that there are a few reasons why people fail at budgeting.



Setting unrealistic goals.&amp;nbsp; When doing your own personal budget, you do not have someone breathing down your neck asking why you </summary><link rel='replies' type='application/atom+xml' href='http://realpeoplebudgets.blogspot.com/feeds/657559413659847489/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://realpeoplebudgets.blogspot.com/2011/12/budget-fail.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/8536404366328312461/posts/default/657559413659847489'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/8536404366328312461/posts/default/657559413659847489'/><link rel='alternate' type='text/html' href='http://realpeoplebudgets.blogspot.com/2011/12/budget-fail.html' title='Budget fail'/><author><name>Sid</name><uri>http://www.blogger.com/profile/11075938499927869286</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='27' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgkMV62Fl1Gz5GLyqy-pf_mk7_dSZkyxqdNVrMgV1rR9ZHcYgAThtAZXSzMoGQIz0hURtDdsxMzkYmXTyjB0cDKMStEbUUYfum0NkFRUcyVdEy9nigol32qRYIkMth4BXo/s220/IMG_2702-1.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-8536404366328312461.post-8409941854507067583</id><published>2011-12-17T11:09:00.000-07:00</published><updated>2011-12-23T11:10:49.370-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="budgets"/><category scheme="http://www.blogger.com/atom/ns#" term="finances"/><category scheme="http://www.blogger.com/atom/ns#" term="learning"/><category scheme="http://www.blogger.com/atom/ns#" term="making good decisions"/><category scheme="http://www.blogger.com/atom/ns#" term="money"/><title type='text'>Why Budget?</title><summary type="text">I am not a professional accountant nor am I a financial adviser.&amp;nbsp; The information that you see on my blog is strictly gained by years of working in corporate finance, experience with friends and family as well as my own personal experiences being a single mother.

There are many reasons why someone would want to make a budget:&amp;nbsp; saving for a trip/car/college, saving for retirement, </summary><link rel='replies' type='application/atom+xml' href='http://realpeoplebudgets.blogspot.com/feeds/8409941854507067583/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://realpeoplebudgets.blogspot.com/2011/12/why-budget.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/8536404366328312461/posts/default/8409941854507067583'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/8536404366328312461/posts/default/8409941854507067583'/><link rel='alternate' type='text/html' href='http://realpeoplebudgets.blogspot.com/2011/12/why-budget.html' title='Why Budget?'/><author><name>Sid</name><uri>http://www.blogger.com/profile/11075938499927869286</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='27' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgkMV62Fl1Gz5GLyqy-pf_mk7_dSZkyxqdNVrMgV1rR9ZHcYgAThtAZXSzMoGQIz0hURtDdsxMzkYmXTyjB0cDKMStEbUUYfum0NkFRUcyVdEy9nigol32qRYIkMth4BXo/s220/IMG_2702-1.jpg'/></author><thr:total>0</thr:total></entry></feed>