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Write for me capstone paper outline example online write for me sanbalati by capstone ministers bsh annual report 2018 In today's topic, we're gonna talk about budgeting. If you're an entrepreneur, contractor, freelancer, or just someone who really sucks with money, this video is for you. (smoke sizzling) What's up? My name is Deepa and in today's video I'm gonna teach you why you need to budget and how you can actually do that. Watch through to the end, because I'll actually give you a link where you can download my actual spreadsheet that I've been using for the past 12 years, for yourself. All right, let's get starte... I, I'm recording, what do you need? Right now? Okay, so I guess my husband wants to go to the mall. You can come with us. (upbeat electronic music) What's up? We're at the mall. I need a coffee. - [Shawn] So, how's your coffee? It's what? - It's good stuff. Okay, on to Simons, Simons? All right, so I'm in Simons at the mall, while Shawn, if you can see him in the back, is shopping for some clothes. He recently, like, ripped his jeans. I don't know why he's not shopping for jeans. So, what is budgeting exactly? It's pretty much a plan for your money. I started budgeting when I was in mid-university and I think the reason I did was because I like to feel like I'm in control and I wasn't. I mean, I had a job, I had expenses and I didn't know where my money was going. And because I started budgeting at such a young age, I actually was able to do a lot of things, which I'm pretty proud of. I mean, I paid for my university tuition all by myself, I bought a car, I bought my condo and that was all before I turned 26. By tracking your expenses and your income, you're gonna know where you are from a financial point of view. You find anything? - No, I'm too fat. - A few things start happening when you start to track your money. For one, you stop spending money you don't have. Knowledge is power. When you track your expenses, you're gonna start noticing patterns. Some of those may actually be bad habits. Once you know what your habits are, you can change the ones that you don't like. And if you're really bad with saving money, budgeting's gonna help because it's gonna give you some motivation to save that money. And that's money that you can actually use to invest or save for retirement or whatever financial goals that you have. Oh, did you find some jeans? - Yeah. - And the big reason why you would want to start budgeting is because it gives you control. I mean, who wants to have anxiety with their finances? And finally, if you're an entrepreneur or a freelancer who runs an incorporated business, budgeting is going to help you figure out how much you need to live, because if you're paying corporate and personal taxes, you probably don't want to take out all the money from your business. So, budgeting is gonna help you there too. So, now that I've convinced you why you need to budget, how do you actually do it? If you want to be hands-off with tracking your expenses, you can use a site called mint.com, where you give them all your information, so, your banking information, your credit card information, your investment information, your mortgage information, and the site will actually compile all of this for you. It's offered in the US. It's offered in Canada. I don't know if it's offered anywhere else, because actually it has to sync to your respective institutions, like your banks and your credit card lenders. But it is free, so if you want to try that and start quickly, there you go. There are other alternatives to mint.com that you could potentially use, depending on where you live, because they're not always offered in the country that you live in. For example, in Canada, there's not that many options. In the U.S., there's probably a lot more, but you do have to do your research on these other alternatives because they may charge you money on a subscription fee, like $5 a month or something, so just look into that and make sure that you find what's right for you. Alternatively, you can track your expenses, by yourself, using a spreadsheet. I've been doing that for the past 12 years. And like I said, I will give you my spreadsheet template that I use. Just stay till the end and I'll show you how to do that. I personally like doing it this way, because I think when you use websites like mint.com, you don't necessarily get a feel, an emotional feel for your spending habits versus if you actually go in and look at your bank statements and your credit card statements, and then you transfer that information into your spreadsheet, you get an emotional feel for how much you're spending. And being emotionally invested in your budgeting process will help you to identify areas that you can improve upon, help you change your bad habits. It will motivate you to set better goals. So, I don't want you to think that it's really hard to manually track your expenses, because it's really not. It's actually quite easy and I'm gonna show you how to do that right now. In order to track your expenses, you're going to have to download the transactions online. So, all you have to do is go into your different credit card providers, your bank statements, all that kind of stuff, and download the information for the past month. I've already done that, so I'm just gonna go ahead and open up my downloads folder, open up the Excel spreadsheet. (computer chiming) I think already have it open, though. I'm only concerned with the month at hand, so for purposes of this tutorial, I am going to assume that all of the January expenses here actually relate to a pretend April, because that's what my example tracking spreadsheet is. So, let's just do that and I'm going to get rid of all of the expenses that aren't in my, quote, unquote, month of April. So, you'll see these ones aren't in the correct month and neither is this one. That's in the following month, so I'm just gonna get rid of that. I also like to get rid of any previous payments that I have made, so going to delete that one as well. So, now I'm left with all my transactions from this past month, which is what I care about. An easy way to organize all this, is if you actually have a category section, which is provided by the credit card company, you can just sort it through Excel. So, just click sort and category and it automatically does it. All right, not all credit card companies actually do that and if they don't, you'll have to go through and categorize it yourself, which is just an extra step, but it's not hard to do. Once you do that, I like to go through and make sure that the category is the appropriate category that I think it should be in. So, cafe, dining, dining, dining, dining, yep. I would actually put my Starbucks re-load under dining. So, I'm going to (keyboard clicking) include that in here. And, what else? So, I have, I went to the movies and I would put my Apple iTunes under there as well, 'cause this is my music and that would be groceries. So, after I do this, I am going to delete this column so that I have my expenses beside the actual total of the expenses and then I'm going to open up my tracking spreadsheet. So, this is my particular tracking spreadsheet. Like I said, you can download this for yourself in the link in the description below. Just send me your email and I will email this off for you and you can use it for yourself, so you don't have to create a spreadsheet from scratch. I will show you how to use this spreadsheet in a different video, so that this video's not too long. But for right now, let's just assume we know what this template is doing. Essentially, we are going to track our expenses under the appropriate category that we have in the spreadsheet here. So, I'm going to open this up. I'm gonna take all my dining, and that's all of these. I don't know if I have enough space on my spreadsheet. Let's see. Restaurant food. No, I don't. So, I'm going to just add some more space and then go back, take it, highlight it, copy and paste it. I like to do paste special in values, just because it is going to copy exactly what I see. And if I had another credit card, I would do the same process with that credit card and I will also go through my bank statement and download the transactions for the past month and also include anything that I paid using debit through there, as well as anything that I paid directly through my bank account. So, let's pretend my mortgage is like paid directly through there. I pay my natural gas, electricity, my TV, internet, et cetera, through my bank account and I've already included those as an example here. And what I like to do next, and this I will include in the tutorial as well for this particular spreadsheet, but I like to do a reconciliation on the side, for the transaction type over here. I just want to know that I haven't actually missed any particular expense, so I'm just gonna put MC, saying that these are all Mastercard. Let's see. Anything else? MC here, MC here. And then I would go through and actually include them here. Let's see what else we got. (keyboard clicking) And finally, these two. So now, I am checking to see if all my totals are the same, 25, 31, 75, 25, 31, 75 here, and it looks to be the same. So, that is just a really quick way that you can track your expenses. In my particular template, I actually go a step further where the template actually provides you with more information in the last three tabs as well. So, check out the tutorial on how to actually use my spreadsheet and again, download my spreadsheet if you want to use it for yourself, because it took me a lot of time to make this and it will save you a lot of time to not have to make your own. Okay, so now that you know how to actually track your expenses, how do you make your budget? I am going to show you the analytics tab and instead of actually showing you in the example tracking sheet that I created, because it's not complete. It's showing only up to the end of April. I'm going to show you one of my actual expense spreadsheets from 2012, and you can see it looks different. Every year, I've been iterating on this spreadsheet trying to make it better, year over year. But the reason I wanted to show you this one, was because it has all my expenses for 2012. So, you can see I have my budget here that I probably created the beginning of January of 2012. And my goal was to only spend about $16,000 for that year. Instead, I ended up spending over $17,000 for that year and I need to know why. Why did I do that? Is that an indication of what I would spend the year after? So, as you input all of your information in the individual tabs, it will automatically populate into the analytics tab at the top over here. So, you can see, on a month-to-month basis, how much of your money is being spent in each category. And you can actually see the amounts at the very end as well. And the reason why I like doing this is because I can compare these actual numbers to my budgeted numbers and the bottom part, where it says over under budget, automatically highlights when I've gone over budget. What I include underneath are in the comment section is my tracking of what actually happened in the year that would cause me to go over budget. This is gonna help me at the end of the year, so in this case, it would have helped me create my 2013 budget, to look at what my notes are saying, to see whether or not these are actually appropriate. So, in this case, I see that in my car payments, my car insurance actually went up in that year, so instead of allocating 2,000 for that year, I would have to increase my budget in that section. Alternatively, if you look at the restaurant food, so basically that's me eating out. I have no excuse. I just spent way too much going out to eat. So, that is something that I need to change my behavior on and I need to stop going out to eat all the time. And this is actually something that I struggle with every year, but I have actually changed my habits. And this is a big reason why, because I can actually see what I am doing. Next, you can see that in these categories, these are probably one-time things. I got an annual membership where I paid all at once. Over here, Oprah was doing a tour and I bought tickets at the end of the year, so that made me go over my budget. iPhone, oh. Instead of just the phone bill, I actually bought a new phone, iPhone five, wow. So that would have made me go over budget in that area, so I'm not expected to buy a phone next year. So, I wouldn't have to worry about adjusting my budget there. In gifts, I overspent because I actually surprised my husband on a birthday trip to San Francisco. So, again, I'm not gonna do that every year. So, I wouldn't have to necessarily adjust my gifts budget for the following year. In miscellaneous, I bought an iPod. Wow, I bought an iPod and I bought an iPhone that year. That's really ridiculous. Oh, actually, I lost my iPod. That's why I bought the iPhone. That makes sense. I bought the iPod, excuse me, I bought the iPod and the portrait lens that year, which is, again, not something that I would expect every year. So, for these particular budget numbers, I likely wouldn't necessarily change my numbers that much, whereas, under the car payments, I probably would, because I will likely have an increase in my car insurance the following year as well. So, that's how to set your budget. You get to look at your actual numbers and include them and make adjustments based on what you think you are going to do. Now, let's say you're starting from scratch and you've never actually done any of this. You can start tracking your expenses and let's say after maybe a couple, two to three months, you will start seeing patterns, so you can extrapolate. Let's say you track your expenses for the past three months, which, nowadays, because you can download your transactions, you can actually download the last three months or so. You can just extrapolate and multiply that by four to give you a high-level understanding of where your expenses might be for each category for the entire year. So, that's just a quick way to do it. It's not fool-proof, but it's a good way to start. Once you actually have a full year, it'll be a lot easier for you to budget for the following year. Okay, so there you have it. Now you know why you should probably budget and how you can actually do it. So, if you are that entrepreneur or if you're that person who just really sucks with money, you can get started. Click the link in the description below where you can get my personal spreadsheet, which you can start using today. Question of the day, what is something that you wish you would stop spending so much money on? What do I spend too much money on? Nothing. That's it for me today, guys. I hope you really like this video. Thank you so much for watching. Hit that like button if you like this video and subscribe, if you haven't already and I will see you in the next episode. (upbeat electronic music) So, I got this DJI mobile thing and it's super cool, but I have no idea what I'm doing. capstone building corp charlotte nc order New York School of Urban Ministry.