Page Title: The Wealth Building Budgeting Tool – Cleared $60K in debt in 18 months & become a millionaire at 36 (and work-optional)

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Page Text: Net Worth TRACK ALL OF YOUR INCOME STREAMS The average millionaire has 7 income streams. I am certain you have at least 3, if you looked closely (e.g. main job, dividends, resale!) I personally have 13 (not all are active at one time), which is why I created the maximum I could (without looking crazy) to block off all the different income streams I have, for example, a January Total Income Breakdown may look like this: Of course you can see the summary in a traditional format as well: I've also loved trying to see what I earned on the side, and how much it could cover my monthly expenses, so I created a way to track all your multiple income streams that are SIDE incomes, not your main job: Thank you!! determined to use it [The Wealth Building and Budgeting Tool ] consistently, and accurately. I loveeeeee the charts too! V sexy. Excited for when that debt circle is goneeeeee and it's just blue savings / investment all round will keep me motivated each month to see our net worth go up too!! Thank you again, you've coached such a change in me in just a week !! ESTIMATE YOUR SPENDING AND SEE HOW YOU TRACK AGAINST IT As much as I am a huge fan of negotiating and increasing your income potential more than cutting in expenses, you have to also be reasonable and live within a comfortable budget. So, I like to estimate my spending for the year, and see how I track against it each month: When you start seeing red across the board, it makes you go "WHOA", so you can adjust accordingly or at least, understand that next month you need to cut back on certain areas, or re-adjust your yearly estimated budget to make up for your overspending (*cough* Transportation *cough*): At a glance, you can see immediately what took up the most of your money this month, and in this case it was Transportation, Medical, then Fees (stupid fees, really..) What I also find interesting is looking at your top 5 and bottom 5 categories of spending because it shows you what you cared about the most this month. Show me where you spend your money, and I will tell you what you care about. ...And finally track it against your goals for the year! You can see in an instant, how Transportation is almost used up, so better increase that budget and cut from Entertainment, for example. Love them! TOTAL SAVINGS TRACKING Each month, track how much you send into savings and into debt, with a super cute graphic that shows you how much you've saved, where, and which debts you're working on at a glance, along with what you have saved and paid back, along with your savings rate: And track it against your goals for the year (remember?) Just like with spending, track it against what you planned for yourself for the year to see how you're doing. ...& DEBT PAYOFF TRACKING Each month, track how much you send towards debt (I definitely count it under "Total Savings" because you DID save the money to clear your debt) and see a cute graphic to help you out in detail. (You do have a separate, similar Savings chart as well.) You can also track each debt you have (I have 10 trackers in total), and see how you're crushing each one: And this is something I was obsessed with when I was in debt: How long will it take you to pay off your debt?!!!!??! Play around with your numbers based on what you can pay monthly to each one. You can also see how you're doing on both fronts of saving and debt repayment during the year: TRACK YOUR NET WORTH This is my favourite one, even when I was getting out of debt, I was so excited to hit a $0 net worth. Look at all of your assets, and what you owe, and track your balances in your accounts from month to month. Just enter your balances in the white column to the side, and it automatically calculates up Assets and What you Owe to how much you have as your net worth. I like to do this Snapshot at the end of the month to see how I did during the month, but some people choose to do it at the start, or middle of the month - you do you, boo boo. And you can check out how you're doing this year overall (like an awesome rollercoaster!): BE PROUD OF YOUR ACCOMPLISHMENTS... Lots more sexy charts to show you how far you have come each month, and statistics to help you see how you've done this year in spending, saving, debt, and net worth. See? You can see instantly how much you've spent versus what you've saved. In an instant, I can see January was terrible but March is promising! What about looking at your income for the year? Your best month, your worst month.... your average income! This is also a chart to let you see how much you spend in each area. For me, Home and Groceries are big ones, along with Transportation (JANUARY AGAIN!!!), and fees (JANUARY!!! *shakes fist*) and seeing how much you've spent in each month. I also like seeing what I spend my money on as a yearly set of amounts because I know I can see them monthly, but one terrible month (JANUARY!) doesn't mean the rest of my year is horrible - where do I really set my priorities? Obviously, it is in this order: LOOK BACK ON YOUR HISTORICAL STATISTICS... This is a FOREVER wealth building Excel sheet. You only need to get it ONCE and you can keep an original blank copy, and copy it for the following year, and add in the stats from last year to keep track. I did this because I have been (insanely) tracking my numbers loosely since 2006 - 2009. I have always enjoyed statistics of what I have done with my money over the years, and I can see my life's journey in them. You even have lots of sexy AF charts if you want to fill in previous years' data to see how you've done over the years: Net Worth

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