DON’T JUST PARK YOUR VEHICLE…   The end of 2014 is staring us in the face and now is the time to start thinking about putting together your 2015 budget plan. The worst thing you can do is leave budgeting until the last-minute if your plan is to track your expenses over the entire year. Sure the ideal time to put a budget plan into action is the beginning of the year but starting a budget any time is better than no budget at all. Why is planning important? The first thing you need to ask yourself is why you are planning? Do you have a mission in mind? If yes then you need a plan. If using a budget is your mission then you need a plan. Planning is part of a strategic planning cycle that starts with a mission then goals, desired outcome, strategies, measures/target and finally results. That’s how we measure success and in our home the budget is critical to managing our financial success even more so now that we have a son. As we were going over the November budget we talked about how not having a mortgage has affected our budget. It really does […]