A good budget planner will help you figure out how to spend your money wisely while avoiding or reducing debt. Speak with GuardianWealth, our financial counsellor if you want to construct a personalized budget planner for yourself. Visit our website to learn more. https://guardianwealth.app/best-budget-planner-app/

1. www.guardianwealth.app/best-budget-planner-app
Personalized
Budget
Planner

2. What is a
Personalized
Budget Planner?
A successful budget planner helps you
decide how to best spend your money
while avoiding or reducing debt.
We want to help you know exactly
where your money is being spent, and
how much you’ve got coming in.
Knowing where every pound is being
spent is a great first step to starting
your savings, getting out of debt.

3. • Note your net
income
• Track your
spending
• Set your goals
• Make a plan

4. Note Your Net Income
Net income (NI), also called net earnings, is
calculated as sales minus the cost of goods sold,
selling, general and administrative expenses,
operating expenses, depreciation, interest, taxes,
and other expenses. It is a useful number for
investors to assess how much revenue exceeds the
expenses of an organization.
Track Your Spending
It’s helpful to keep track of and categorize your
spending so you know where you can make
adjustments. Doing so will help you identify what you
are spending the most money on and where it might
be easiest to cut back.

5. Set Your Goals
Before you start sifting through the information
you’ve tracked, make a list of all the financial goals
you want to accomplish in the short-and long-term.
Short-term goals should take no longer than a year
to achieve. Long-term goals, such as saving for
retirement or your child’s education, may take
years to reach.
Make a Plan
Use the variable and fixed expenses you compiled
to help you get a sense of what you’ll spend in the
coming months. With your fixed expenses, you
can predict fairly accurately how much you’ll
have to budget for. Use your past spending habits
as a guide when trying to predict your variable
expenses.

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www.guardianwealth.app/best-budget-planner-app