
I guess it’s rare that people actually sit down and make a personal budget.
Having done my own budget about two times a year I know that it is very confronting to see the truth head on. The hardest part of making a budget is getting the client willing to discuss it (often amongst each other).
So many times I used to work up people’s taxes when I ran an H&R Block office and heard the regrettable question, “How much did we make this year?”
Not once do I remember a happy answer to the truth when I responded with their AGI [adjusted gross income]. Either it was, “How could it be that little,” or, “where did it all go?” It seems to me people here are encouraged to live on 110% of their income. In Japan, by contrast, people are taught to save 10% of their income.
Click here for a budget template that I usually work with clients in my office on a big tv screen, in Excel.
It’s important to make sure you get all ordinary expenses in a personal budget. I also take note of all credit card balances and interest rates, as to suggest a payoff method that relieves the largest interest cards first.
The hardest item to pin down is often entertainment. Can you imagine making a rule of just how much you can spend on Friday & Saturday night every week? I turn this into a game so that you can budget for big events by not spending too much all the time.
Every notice other people who spend a large percentage of their paycheck on purchasing food/coffee daily from outside vendors? My dad told me at age 9 when I worked in his dry-cleaning store, “You come to work to make your own money, you are not here to make it for the lunch guy” or the soda seller.
When it comes down to a personal budget, it’s a lot like a diet. On a diet, if you write down everything you eat every day for a few days, your own mind will tell you to eat better. With a budget, if you write down all you spend every day for a week, you will become less frivolous with your money.
If you need help with this you can always contact us at Harlan@ParisAC.com.
Here’s to a more profitable year (and healthy too).
Harlan
Your comment is awaiting moderation.
Appreciate it! Quite a lot of write ups.
http://www.canadianpharmacymsn.com/
medical information online
mexican pharmacies shipping to usa
cheap prescription drugs
[url=http://canadianpharmaciescubarx.com/]canadian pharmaceuticals online[/url]
Your comment is awaiting moderation.
Nicely put, Cheers.
http://talahicc.com/
cheap canadian drugs london drugs canada prescription drugs without prior prescription [url=https://nicktambone.com/]canada drug[/url]
canadapharmacy
online pharmacy
canada pharmacy online reviews
online pharmacy usa
canada drug pharmacy
canadian online pharmacy
Your comment is awaiting moderation.
Cheers! I enjoy it!
http://www.canadianpharmacymsn.com/
canadian pharmacy meds canadian pharmacies without an rx price prescription drugs [url=http://canadianpharmacymim.com/]canada pharmaceuticals online[/url]
us pharmacy no prior prescription
best online pharmacy stores
canadian drugstore
drugs for sale
canadian pharmacy uk delivery
canadian drugs
Your comment is awaiting moderation.
Cheers! Lots of data.
http://canadianpharmaciescubarx.com/
prescription drugs canada canadian online pharmacies canada pharmacy [url=http://canadianpharmaciesnnm.com/]trust pharmacy canada[/url]
canadian drug stores online
us pharmacy no prior prescription
cheap canadian drugs
overseas pharmacies
canadian drugs
prescription prices comparison
Your comment is awaiting moderation.
Point nicely taken.!
http://canadianpharmacymim.com/
discount pharmacy online canadian drugs online pharmacy without a prescription [url=http://talahicc.com/]canada drug[/url]
canadian drugstore reviews
canadian pharmacies that ship to us
canada pharmacy online orders
canada meds
visit poster’s website
northwest pharmacy canada
Your comment is awaiting moderation.
Awesome tips. Thanks a lot.
http://canadianpharmacymim.com/
prescription cost comparison aarp approved canadian online pharmacies canada drug [url=http://canadianpharmacyntx.com/]canadian cialis[/url]
compare rx prices
online pharmacies
approved canadian pharmacies online
legitimate canadian mail order pharmacies
canada meds
canada online pharmacies
Your comment is awaiting moderation.
Truly loads of awesome material!
http://canadianonlinepharmacynnm.com/
pharmacy prescription northwest pharmacy trust pharmacy canada [url=http://canadianpharmacysilo.com/]northwestpharmacy[/url]
visit poster’s website
buy prescription drugs without doctor
canadian pharma companies
prescription drugs without prior prescription
canadian drug stores online
prescription drugs without doctor approval
Your comment is awaiting moderation.
Kudos! A good amount of advice.
https://nicktambone.com/
canadadrugs global pharmacy canada canadian pharmacy viagra brand [url=http://talahicc.com/]canadian cialis[/url]
buy drugs online
canadapharmacyonline.com
safeway pharmacy
canada drugs pharmacy
discount pharmaceuticals
discount pharmacy online
Your comment is awaiting moderation.
Thanks, I like this.
http://canadianpharmacysilo.com/
pharmacy cost comparison canada pharmacy online mexican pharmacy online [url=http://www.canadianpharmacymsn.com/]canada drugs online[/url]
candrugstore com
prescription without a doctor’s prescription
canadian online pharmacies prescription drugs
online pharmacies canada
global pharmacy canada
online drugs
Your comment is awaiting moderation.
You said it very well.!
http://canadianpharmacysilo.com/
discount prescription drugs online canada drug get prescription online [url=http://canadianpharmacysilo.com/]mexican pharmacies shipping to usa[/url]
northwest pharmacy canada
canadian pharmacy viagra brand
king pharmacy
canadian pharmacies top best
best online pharmacies no prescription
canada drug pharmacy
Your comment is awaiting moderation.
Beneficial write ups. With thanks.
https://nicktambone.com/
costco pharmacy pricing canada drugs overseas pharmacies [url=http://canadianpharmacyntx.com/]canada online pharmacies[/url]
buy online prescription drugs
walgreens pharmacy
canadian pharmacies without prescriptions
drugs online
overseas pharmacies
drugs for sale
Your comment is awaiting moderation.
Great material. Many thanks!
http://canadianpharmaciesnnm.com/
canada pharmacies online trust pharmacy canada canada online pharmacies [url=http://canadianonlinepharmacynnm.com/]online pharmacies canada[/url]
prescription prices comparison
canadian pharmacies shipping to usa
canadapharmacy
pharmacy near me
top rated online canadian pharmacies
most reliable canadian pharmacies
Your comment is awaiting moderation.
You made your point extremely nicely..
http://canadianpharmacymim.com/
canadian pharmacies top best canada online pharmacies canadian drugstore reviews [url=http://canadianpharmacymim.com/]canadianpharmacy[/url]
best non prescription online pharmacies
prescription drugs without prior prescription
prescription online
canadapharmacy
mail order pharmacy
best canadian prescription prices
Your comment is awaiting moderation.
Appreciate it. Ample data!
http://canadianpharmaciescubarx.com/
canadian online pharmacies prescription drugs canadian pharmacy online highest rated canadian pharmacies [url=http://canadianpharmaciescubarx.com/]canadian pharmacy[/url]
prescription drug
online pharmacy
online canadian pharmacy
ed meds online
online pharmacy canada
prescription drug
Your comment is awaiting moderation.
Cheers, Terrific stuff.
https://nicktambone.com/
prescription drugs without prior prescription canadian drugs best online pharmacies no prescription [url=http://talahicc.com/]london drugs canada[/url]
canadian meds
costco pharmacy pricing
pharmacy prices
pharmacies in canada
canada pharmacies prescription drugs
best price prescription drugs
Your comment is awaiting moderation.
You actually mentioned it well!
http://canadianpharmaciesnnm.com/
canada pharmacy no prescription aarp approved canadian online pharmacies rx pharmacy [url=https://nicktambone.com/]northwestpharmacy[/url]
buy prescription drugs from canada
canadian prescription
online rx pharmacy
canadian prescriptions
best online pharmacies canada
walgreens pharmacy
Your comment is awaiting moderation.
Truly all kinds of useful info.
http://canadianpharmaciesnnm.com/
best online pharmacies no prescription canada drugs pharmacies near me [url=https://nicktambone.com/]canadian pharmaceuticals online[/url]
overseas pharmacies
prescription drug assistance
mail order pharmacies
canadian prescriptions
canada drugs pharmacy
canadian pharmacies without prescriptions
Your comment is awaiting moderation.
Fantastic stuff. Thank you.
http://canadianpharmacyntx.com/
online canadian pharmacy canada drugs prescription drugs prices [url=http://canadianpharmaciescubarx.com/]aarp approved canadian online pharmacies[/url]
ed meds online
drug costs
buying drugs canada
canada meds
cheap drugs online
online pharmacy usa
Your comment is awaiting moderation.
Appreciate it! Quite a lot of content!
http://talahicc.com/
canada drug canada drug cialis canadian pharmacy [url=http://canadianpharmaciesnnm.com/]northwestpharmacy[/url]
walmart pharmacy price check
canadian pharmacies that ship to us
drug stores near me
canada drug prices
drug prices comparison
prescription prices comparison
Your comment is awaiting moderation.
Really many of awesome info.
http://canadianpharmaciesnnm.com/
us pharmacy no prior prescription canadian pharmacies without an rx canada drugs online [url=http://canadianpharmacysilo.com/]canadian pharmaceuticals online[/url]
reputable canadian mail order pharmacies
best online pharmacies no prescription
medication costs
prescription drugs prices
canadian drug
drugstore online
Your comment is awaiting moderation.
Thank you. I value this.
http://canadianpharmaciescubarx.com/
mexican pharmacy online medications canada drug prescription drug price comparison [url=http://canadianonlinepharmacynnm.com/]online pharmacies canada[/url]
best online pharmacy
canadian pharmacy online
canadian drug store
canada pharmacy online
top rated canadian pharmacies online
rx pharmacy
Your comment is awaiting moderation.
Good tips. Regards.
http://www.canadianpharmacymsn.com/
best online international pharmacies canadian viagra prescription without a doctor’s prescription [url=http://canadianpharmaciesnnm.com/]canadian online pharmacy[/url]
canadian meds
canadian pharmacy meds
best online pharmacy stores
buying drugs canada
pharmacy online store
compare rx prices
Your comment is awaiting moderation.
Amazing many of wonderful knowledge.
http://talahicc.com/
canadian pharmacies shipping to usa aarp approved canadian online pharmacies mexican pharmacy online [url=http://canadianpharmacysilo.com/]canadian pharmaceuticals online[/url]
northwestpharmacy
best canadian online pharmacy
global pharmacy canada
no prescription pharmacies
canadian pharmacies online
my canadian pharmacy
Your comment is awaiting moderation.
Appreciate it, Numerous forum posts!
http://canadianpharmacymim.com/
cialis online canadian pharcharmy canadian pharmacy uk delivery [url=http://www.canadianpharmacymsn.com/]northwest pharmacy[/url]
best canadian pharmacies
online pharmacies no prescription
canada pharmacies online pharmacy
cheap drugs online
canadian drug stores online
online pharmacy without prescription
Your comment is awaiting moderation.
You actually stated this superbly.
http://canadianpharmaciescubarx.com/
online drugstore global pharmacy canada canadian online pharmacies prescription drugs [url=http://canadianonlinepharmacynnm.com/]canada pharmacy online[/url]
online pharmacy without prescription
best canadian prescription prices
24 hour pharmacy
discount drugs online pharmacy
reputable canadian mail order pharmacies
pharmacy prescription
Your comment is awaiting moderation.
You made your position pretty well..
http://canadianpharmaciesnnm.com/
pharmacy prices compare canadian cialis pharmacy price compare [url=http://canadianonlinepharmacynnm.com/]london drugs canada[/url]
get prescription online
approved canadian pharmacies online
buy cialis
buy drugs online
canadian pharmacy viagra brand
northwestpharmacy
Your comment is awaiting moderation.
Regards. A good amount of material!
http://canadianpharmaciescubarx.com/
canadian pharmacy reviews canadian pharmacy online ed meds online [url=http://canadianonlinepharmacynnm.com/]canadian cialis[/url]
online pharmacies
mexican pharmacies shipping to usa
online pharmacies canada
canada drugs online
canadian pharmacy
prescription drug assistance
Your comment is awaiting moderation.
This is nicely said. .
https://nicktambone.com/
canadapharmacy com canadian online pharmacies rx price comparison [url=http://canadianpharmaciescubarx.com/]canadianpharmacy[/url]
canadian pharmacy without prescription
canadian pharmacies that are legit
canadian pharmacies
discount drugs online pharmacy
prescription drug cost
canadian online pharmacy reviews
Your comment is awaiting moderation.
You said it very well.!
http://canadianpharmacyntx.com/
buy prescription drugs without doctor online pharmacies of canada board of pharmacy [url=http://canadianpharmaciesnnm.com/]aarp approved canadian online pharmacies[/url]
best online pharmacies no prescription
board of pharmacy
discount prescription drug
canadian pharmacy 365
buy prescription drugs online
prescription drug assistance
Your comment is awaiting moderation.
You made your point quite effectively!.
http://canadianonlinepharmacynnm.com/
drugs without prescription canadian pharmacies online discount pharmaceuticals [url=http://canadianpharmacyntx.com/]north west pharmacy canada[/url]
rx price comparison
legitimate canadian mail order pharmacies
canada meds
canadapharmacyonline com
canada pharmacies online pharmacy
pharmacies near me
Your comment is awaiting moderation.
Cheers! I like it!
http://canadianpharmacymim.com/
canadian pharmacy online canadian pharmacy online safeway pharmacy [url=http://www.canadianpharmacymsn.com/]canadian viagra[/url]
ed meds online
walmart pharmacy price check
canada drugs
canadianpharmacy
online pharmacies canada
mexican pharmacies online
Your comment is awaiting moderation.
You said it adequately.!
http://www.canadianpharmacymsn.com/
prescription drug assistance canadian online pharmacies canada meds [url=http://canadianpharmaciesnnm.com/]canadian pharmaceuticals online[/url]
buy prescription drugs from canada
top rated canadian pharmacies online
online pharmacy without a prescription
pharmacy prescription
canadian prescriptions
costco pharmacy pricing
Your comment is awaiting moderation.
This is nicely expressed! !
http://canadianpharmaciesnnm.com/
meds online canada pharmacy online compare prescription prices [url=http://canadianonlinepharmacynnm.com/]canadian cialis[/url]
prescription cost comparison
canadian family pharmacy
drugs without prescription
board of pharmacy
online rx pharmacy
pharmacy price comparison
Your comment is awaiting moderation.
Effectively expressed truly! .
https://nicktambone.com/
drug costs mexican pharmacies shipping to usa mexican pharmacies [url=http://talahicc.com/]canada pharmaceutical online ordering[/url]
prescription drugs prices
canada pharmacy no prescription
canadian meds
safeway pharmacy
canadapharmacy com
international pharmacy
Your comment is awaiting moderation.
Thanks. Useful stuff.
http://canadianpharmaciesnnm.com/
prescription pricing canada pharmacy online canadian cialis [url=http://canadianpharmacysilo.com/]london drugs canada[/url]
canada pharmacies without script
prescription without a doctor’s prescription
canadian cialis
mexican online pharmacies
canada pharmacies online pharmacy
best online canadian pharcharmy
Your comment is awaiting moderation.
Very good information. Cheers!
http://www.canadianpharmacymsn.com/
board of pharmacy canada pharmacy online canada pharmacies online prescriptions [url=http://canadianpharmacyntx.com/]canada drugs[/url]
canadian pharcharmy online
canadian drug stores online
compare prescription prices
my canadian pharmacy
pharmacy online
cheap prescription drugs
Your comment is awaiting moderation.
Kudos! I enjoy this.
http://canadianpharmacysilo.com/
safe canadian online pharmacies canada drug canada pharmacies online pharmacy [url=http://www.canadianpharmacymsn.com/]london drugs canada[/url]
canada drug pharmacy
best canadian mail order pharmacies
discount prescription drug
prescription prices comparison
canadian prescription drugs
canadian online pharmacy reviews
Your comment is awaiting moderation.
Thanks a lot, I like it.
http://canadianpharmaciescubarx.com/
online pharmacy without a prescription aarp approved canadian online pharmacies online pharmacy [url=http://canadianpharmacysilo.com/]canadian pharmacy online[/url]
candrugstore com
canadian rx
trusted overseas pharmacies
prescription cost
northwest pharmacy canada
discount drugs online pharmacy
Your comment is awaiting moderation.
Cheers. Helpful stuff!
http://canadianpharmaciesnnm.com/
canada pharmacies canada online pharmacies buy prescription drugs online [url=http://canadianpharmaciesnnm.com/]canada drug[/url]
canadian pharmacies shipping to usa
canadian cialis
canada drugs
buying drugs canada
canadian rx pharmacy online
trusted overseas pharmacies
Your comment is awaiting moderation.
You actually suggested it exceptionally well.
http://talahicc.com/
top rated online canadian pharmacies northwestpharmacy canadian drug store [url=http://canadianpharmaciescubarx.com/]northwest pharmacy[/url]
buy prescription drugs canada
discount prescription drug
canada drug
best online international pharmacies
canada pharmacies online prescriptions
web medical information
Your comment is awaiting moderation.
You definitely made the point.
http://canadianpharmaciesnnm.com/
buying prescription drugs canada canadian online pharmacies internet pharmacy [url=http://canadianpharmaciesnnm.com/]top rated canadian pharmacies online[/url]
online pharmacy no prescription
online pharmacies
canada pharmacy online
canadian pharmacy without prescription
online pharmacy without prescription
board of pharmacy
Your comment is awaiting moderation.
Excellent tips. Cheers.
http://www.canadianpharmacymsn.com/
prescription drugs canada canadian pharmacy no 1 canadian pharcharmy online [url=http://talahicc.com/]mexican pharmacies shipping to usa[/url]
canadian family pharmacy
canadian pharmacies without prescriptions
mexican pharmacy online
international pharmacy
pharmacy prices
canada pharmacy online
Your comment is awaiting moderation.
Helpful material. Thanks a lot.
http://canadianpharmacysilo.com/
my canadian pharmacy mexican pharmacies shipping to usa online pharmacy canada [url=http://canadianpharmacyntx.com/]canadian pharmacy online[/url]
drugs without prescription
canada pharmacy online reviews
canada meds
prescription drugs canada
canada online pharmacy
best online canadian pharcharmy
Your comment is awaiting moderation.
Thanks. Numerous advice!
http://canadianpharmaciescubarx.com/
canadian pharmacy online canadian pharmacies without an rx canadapharmacy com [url=http://talahicc.com/]canadianpharmacy[/url]
online pharmacy reviews
cheap prescription drugs
canada pharmacy no prescription
canadian rx
prescription drugs without doctor approval
global pharmacy canada
Your comment is awaiting moderation.
Amazing material. Many thanks.
http://canadianonlinepharmacynnm.com/
pharmacy prices online pharmacies canada online pharmacy without prescription [url=https://nicktambone.com/]canada pharmacy online[/url]
best online pharmacies no prescription
online pharmacy no prescription
online pharmacy without prescription
canadian prescription drugstore
online pharmacy reviews
canadapharmacyonline.com
Your comment is awaiting moderation.
Wonderful advice. Regards!
http://canadianpharmacyntx.com/
no prescription pharmacies online pharmacies canada onlinecanadianpharmacy.com [url=http://talahicc.com/]london drugs canada[/url]
compare prescription prices
prescription online
global pharmacy canada
online discount pharmacy
buy online prescription drugs
canadian prescription drugstore
Your comment is awaiting moderation.
You actually reported it very well!
http://canadianpharmacysilo.com/
canadian pharmacies without prescriptions global pharmacy canada buying drugs canada [url=http://www.canadianpharmacymsn.com/]online pharmacies of canada[/url]
pharmacy near me
online pharmacy reviews
get prescription online
mail order pharmacies
approved canadian pharmacies online
discount drugs online pharmacy
Your comment is awaiting moderation.
You actually said that wonderfully!
http://canadianonlinepharmacynnm.com/
legitimate online pharmacies canadian cialis canada pharmacies online prescriptions [url=http://canadianpharmaciescubarx.com/]mexican pharmacies shipping to usa[/url]
best canadian online pharmacy
canadian mail order pharmacies
canadian pharmacy no prescription
canadian viagra
medication costs
canadian pharmacy uk delivery
Your comment is awaiting moderation.
Terrific stuff. Many thanks!
http://talahicc.com/
prescription drugs online without canadian online pharmacy prescription online [url=http://canadianpharmacyntx.com/]mexican pharmacies shipping to usa[/url]
northwestpharmacy
candrugstore com
canadian online pharmacies prescription drugs
ed meds online
discount drugs online pharmacy
best online canadian pharcharmy
Your comment is awaiting moderation.
You said it nicely..
http://canadianonlinepharmacynnm.com/
discount prescription drugs online trust pharmacy canada buy prescription drugs online [url=http://canadianonlinepharmacynnm.com/]trust pharmacy canada[/url]
ed meds online
canadian viagra
online pharmacies canada
canada drugs pharmacy
northwestpharmacy
canadian pharmacy viagra brand
Your comment is awaiting moderation.
Perfectly voiced genuinely! !
http://canadianpharmacyntx.com/
canada pharmacy canadian cialis online canadian pharmacy [url=https://nicktambone.com/]canada drug[/url]
discount drugs online pharmacy
cialis canadian pharmacy
pharmacy prescription
drug price
canadian pharmacy viagra
canadianpharmacy
Your comment is awaiting moderation.
Nicely put. Thanks!
http://canadianpharmaciesnnm.com/
canadianpharmacy canadian pharmacy online prescription cost comparison [url=http://canadianpharmaciesnnm.com/]aarp approved canadian online pharmacies[/url]
prescription cost comparison
canada drugs online
pharmacies in canada
online pharmacy reviews
best online pharmacies no prescription
mexican pharmacies
Your comment is awaiting moderation.
Thank you, Numerous data!
http://canadianpharmacymim.com/
canadian cialis canada pharmacy online canadian pharmacies [url=http://canadianpharmaciescubarx.com/]canadian pharcharmy[/url]
canada pharmacy online
global pharmacy canada
buy prescription drugs online
no prescription pharmacy
prescription cost
canadian drugstore
Your comment is awaiting moderation.
You reported that effectively.
http://canadianpharmacymim.com/
canadapharmacyonline com canadian online pharmacies buy cialis [url=http://canadianpharmaciesnnm.com/]canadian pharmacy online[/url]
canadadrugs
prescription drug assistance
drug price
safe canadian online pharmacies
prescription drugs online without
canadian discount pharmacy
Your comment is awaiting moderation.
You definitely made the point!
http://talahicc.com/
safeway pharmacy canadian pharmacy online pharmacy no prescription needed [url=http://canadianpharmacysilo.com/]canada pharmacy[/url]
no 1 canadian pharcharmy online
mail order pharmacies
online discount pharmacy
drugstore online
drug prices comparison
drugstore online
Your comment is awaiting moderation.
You said it perfectly..
http://canadianpharmacymim.com/
meds online canadian viagra canada pharmacy online orders [url=http://www.canadianpharmacymsn.com/]trust pharmacy canada[/url]
global pharmacy canada
canada pharmacies prescription drugs
canada pharmacies online prescriptions
canadian pharma companies
canadian prescription drugstore
canadian drug
Your comment is awaiting moderation.
This is nicely put! .
http://canadianpharmacysilo.com/
canadian mail order pharmacies canadian pharmacies online legitimate canadian mail order pharmacies [url=http://canadianpharmaciescubarx.com/]canadian pharmacy[/url]
canada drugs online
canadian prescriptions
drugstore online
canadadrugs.com pharmacy
prescription drugs without prior prescription
overseas pharmacy forum
Your comment is awaiting moderation.
You definitely made your point.
https://nicktambone.com/
canadapharmacyonline com canadian pharcharmy canada pharmacies online prescriptions [url=http://canadianpharmaciescubarx.com/]canada drugs online[/url]
trust pharmacy canada
online pharmacy no prescription needed
pharmacy online store
buy online prescription drugs
drugstore online
pharmacy canada