expenses

Adjust or Change Your Paycheck Tax Withholding (W4) After These Personal and Financial Life Events

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During the year many people have personal and financial life changing events that can affect how much they pay in taxes. But they often forget to adjust their income or paycheck tax withholding to cater for these events. This means they ending up owing taxes and associated penalties when filing; or missing out on extra […]

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Budgeting Pitfalls and Remedies

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Budgeting provides a way for people to track their income and expenses. However the hard part, once people are aware of their expenses, is to actually cut back on discretionary items. Budgeting fails for many people because they fail to address this key shortcoming. Budgeting will not reduce your expenses; it is how you react […]

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Personal Budget Spreadsheet – How To Make It Work For You

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Let’s clear one misconception – creating a budget spreadsheet won’t make you any more money or make you rich. What it does is provide a framework to organize and track your finances. Ideally you would want to maintain a budget for six months to a year to get an idea of your spending patterns. You […]

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