Keeping Tabs on Spending Cohoes NY

After students complete their graduation the freedom to spend (lavishly) with their 'own money' is very lucrative and in reality increases multifold. This can be greatly attributed to simple reasons like partying, lending money to friends or not setting up a personal budget.

Local Companies

Fastenal- Albany
518-459-2086
116-118 Railroad Ave Albany, NY, 12205
Albany, NY
A. Phillips Hardware
518-439-9943
235 Delaware Ave
Delmar, NY
A. Phillips Hardware
518-765-2377
18 South Main St
Voorheesville, NY
The Home Depot
(518)438-1586
979 Central Avenue
Albany, NY
Lowe's
(518) 952-8789
93 Freemans Bridge Road
Glenville, NY
Lowe's
(518) 382-8371
422 Balltown Road
Schenectady, NY
HOLBROOK LUMBER CO
(518) 489-4708
70 FULLER ROAD ALBANY, NY, 12205
Albany, NY
Pfeil Hardware
518-687-0014
63 Third St
Troy, NY
Hoosick True Value Hardware
(518) 686-7238
21953 Ny 22
Hoosick Falls, NY
The Home Depot
(518)388-9121
2500 Cambridge Rd
Schenectady, NY

Provided By:

Author: ajax

After students complete their graduation the freedom to spend (lavishly) with their ‘own money’ is very lucrative and in reality increases multifold. This can be greatly attributed to simple reasons like partying, lending money to friends or not setting up a personal budget.

Most of the young professionals are single, have a busy social life with no financial commitments (except for those who may have to repay college loans); and the common attitude here is to ‘spend’ rather than ‘save’.

Now, as you get familiar with the lines above and are fretting, for having spent those precious dollars, let’s take a look at how best we can overcome this scenario. The traditional process of personal budget management is as follows.

1. First you’ll need to get a final balance on what’s left at this point of time

2. Note down all the payments you need to make during the course of the month, including the approximate dates

3. Note down how much gets credited into your pay account (the exact amount to be noted) – to calculate how much is left.


By now, you’d have made a mental note on your spending pattern and what is likely to be remaining by the end of the month. The only hitch here is the ‘guesswork’ involved in making your own budget sheet.

Online money management tools are an easy option to reduce the effort being put in to make a budget sheet yourself. The best part about having your own personal budget calculator is,

1. That it can never miss any kind of expenses

2. Allows you to manage your budget efficiently by removing the ‘guesswork part’

3. At any given time of the month, you'll know how much money is available for discretionary spending.

These budgeting tools are usually designed to plan for both saving and spending. It’s always worth being cautious about your spending, rather than feeling let down at a later stage.

Make hay while the sun shines; and save up for all the fun you deserve. Happy Saving!


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Online money management

personal budget calculator

budgeting tools

Article Source: http://www.articlesbase.com/personal-finance-articles/keep-a-tab-on-your-spending-to-save-prudently-848576.html

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