Successful personal budgeting does not start with analyzing your spending or costs or income. To formulate a budget that meets financial goals, start with your mind.
Last week, I opened my email to find a reader had contacted me about how to start a budget. She had more than one source of income, but it looked like one job would be ending soon and she would have to tighten up on her spending.
As I thought about my most successful budgeting endeavors, I came to the conclusion that before anyone even starts writing a budget out or punching numbers into a budget spreadsheet, having the right attitude and setting goals is the key to successful personal budgeting.
My tips and methods for starting a budget are part psychology and part common sense with a healthy dose of reality tossed in. Read How to Start a Personal Budget: Successful Budgeting Starts with Goals and Resolutions and Develop Personal Budgeting Habits
How to Make Budgeting a Money Management Habit to learn how to start a successful personal budget.
And, I urge readers to use the Personal Budgeting discussion forum to ask me questions rather than contacting me via email. If we communicate in the forum, everyone who visits the forum has a chance to learn from your questions and answers you may have for others who post budgeting questions.
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