Keeping Tabs on Spending Penfield 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

Mayer Hardware, Inc
(585) 288-7665
226 Winton Rd N
Rochester, NY
Fastenal- Rochester
585-232-2320
116 Saint Paul St Rochester, NY, 14604
Rochester, NY
LOWE'S OF HENRIETTA, N. Y.
585 424-1340
2350 MARKETPLACE DRIVE ROCHESTER, NY, 14623
Rochester, NY
The Home Depot
(585)385-4090
750 Panorama Trails So
Rochester, NY
Kmart 3837 / Cross Merch
(585) 787-0030
950 Ridge Rd
Webster, NY
Woodcraft - Rochester
585-292-9690
Henrietta Plaza
Rochester, NY
Lowe's
(585) 787-7900
900 Five Mile Line Road
Webster, NY
J. Kozel/Tool Ranch
(585) 436-9807
1150 Scottsville Rd Rochester, NY, 14624
Rochester, NY
Victor Coal & Lumber Inc
585-924-3033
32 School Street
Victor, NY
Victor - A
(585) 421-3300
200 Eastview Mall
Victor, NY
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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!


About the Author:

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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