{"id":701,"date":"2019-06-12T14:30:18","date_gmt":"2019-06-12T14:30:18","guid":{"rendered":"http:\/\/lincon.com\/site\/?page_id=701"},"modified":"2019-06-12T14:54:46","modified_gmt":"2019-06-12T14:54:46","slug":"creating-a-budget","status":"publish","type":"page","link":"https:\/\/lincon.com\/site\/lincon-coms-guides\/simple-budgeting\/creating-a-budget\/","title":{"rendered":"Creating a Budget"},"content":{"rendered":"<div id=\"linco-967615448\" class=\"linco-before-content linco-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-7218081052625257\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-7218081052625257\" \ndata-ad-slot=\"2982622224\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div><br style=\"clear: both; display: block; float: none;\"\/>\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/lincon.com\/site\/lincon-coms-guides\/simple-budgeting\/creating-a-budget\/\">Creating a Budgeting<\/a> | <a href=\"http:\/\/lincon.com\/site\/lincon-coms-guides\/simple-budgeting\/household-expenses\/\">Household Expenses<\/a> | <a href=\"http:\/\/lincon.com\/site\/lincon-coms-guides\/simple-budgeting\/debt-payments\/\">Debt Payments<\/a> | <a href=\"http:\/\/lincon.com\/site\/lincon-coms-guides\/simple-budgeting\/travel-budgeting\/\">Travel Budgeting\ufeff<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">How to take more income home<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The first place to start is with your regular income.&nbsp; You could seek out another job and work more\nhours, but why put in more effort when you might be able to take home more\nmoney just by changing a few things.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Everyone pays taxes and your employer takes out money based on the\nallowances on your W-4&nbsp;form.&nbsp; The more allowances the less money that gets\ntaken out.&nbsp; If you receive any refund\nfrom the IRS, your allowances are set too low.&nbsp;\nI like to try and target a refund of about $100-200 so I have some\ncushion and don\u2019t wind up paying taxes to the IRS.&nbsp; If you get a refund of anything more than\nthis, you should consider increasing the number of allowances on your W-4 form.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"494\" src=\"http:\/\/lincon.com\/site\/wp-content\/uploads\/w2-1024x494.jpg\" alt=\"\" class=\"wp-image-702\" srcset=\"https:\/\/lincon.com\/site\/wp-content\/uploads\/w2-1024x494.jpg 1024w, https:\/\/lincon.com\/site\/wp-content\/uploads\/w2-300x145.jpg 300w, https:\/\/lincon.com\/site\/wp-content\/uploads\/w2-768x371.jpg 768w, https:\/\/lincon.com\/site\/wp-content\/uploads\/w2-624x301.jpg 624w, https:\/\/lincon.com\/site\/wp-content\/uploads\/w2.jpg 1137w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>W-2 Form<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">My suggestion is that you ask your\nmanager and let them know that you want to changes the allowances on your W-4&nbsp;form and the amount of taxes that you have\ntaken out.&nbsp; They should be able to point\nyou in the right direction in changing your allowances.&nbsp; If you\u2019re questioned about changes such as\nnew deductions, all they need to know is that you have too much being taken out\nand you want to change that.&nbsp; The form\nitself specifically states that the number on the form may be different from\nwhat is on your tax form.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The form is divided into two parts \u2013 one is the worksheet and the other\nis the actual form that you need to file with your employer.&nbsp; You can go through the worksheet and come up\nwith a number and if it\u2019s higher than what you currently have on record, it\nwill reduce the amount of taxes being taken out and increase your take home\npay.&nbsp; If the number that you come up with\nis the same as your current number, try increasing the number of allowances by\n1 and see if that lowers the amount of taxes being taken out to an appropriate\namount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We know that the current amount you have taken out is too much so let\u2019s\nsay for example that you are getting a refund of $750 a year.&nbsp; That means that you are having about $550\nmore than you need to have taken out of your paycheck.&nbsp; Our goal is to reduce the amount that you\nhave taken out by that amount or about $10 a week.&nbsp; If you are paid bi-weekly, that would be $20\na pay period and if you are paid monthly, about $40 a pay period.&nbsp; <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, look at your next paycheck&nbsp;after you change your allowances and see if it\nreduces your pay by the appropriate amount.&nbsp;\nAgain, take the amount of your annual tax refund and divide by your\nnumber of pay periods to see what it should be reduced by.&nbsp; If it doesn\u2019t, increase your allowances again\nuntil you get it just right.&nbsp; In my case\nI have 9 allowances even though we are a family of three so the number can\nquite different from the number of dependents that you have.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are some other adjustments that we can make to our take home pay\nbut I\u2019ll point those out as we go along.&nbsp;\nIn some cases it\u2019s beneficial to have some money taken out before taxes\nbecause it can save you money that you\u2019ll already spend, but we\u2019ll look at\nthose as we go through a monthly budget and see if they apply.<br><\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><a>Creating a budget<\/a><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Now that we\u2019re maximizing what we are taking home, we can now look at\nthe other side of the equation, your expenses.&nbsp; I like to use a MS Excel&nbsp;spreadsheet because it makes making\ncalculations easy but you may prefer a good old fashioned pen and paper.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I start by adding up everything I currently have in the bank.&nbsp; I then add my next pay check.&nbsp; This gives me my starting money.&nbsp; I then make a list of all my bills that I\nknow I have on a monthly basis.&nbsp; This\nincludes line items for things like food, gas, church, etc.&nbsp; I then make a note of when certain bills are\ndue like my electric and credit card bills.&nbsp;\nThis starts to give me an idea if something needs to be paid at the\nbeginning of the month or the end of the month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I\u2019m paid bi-weekly so I like to just list each month and the first\npaycheck&nbsp;and the\nsecond paycheck.&nbsp; I know I\u2019ll have food\nand gas expenses&nbsp;each pay period but something\u2019s like a cell\nphone bill are paid by a specific day so that will not be both.&nbsp; One thing I do is split my debt related\nexpenses in half and pay half with each paycheck, but I\u2019ll talk about that in a\nseparate chapter.&nbsp; So I have those line\nitems as well.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I try to only write down those expenses&nbsp;that I know I\u2019m going to have and I know that\nnot every penny will be accounted for, but I\u2019ll have a cushion and before my\nnext paycheck&nbsp;I\u2019ll make note of the exact dollar amount that\nI have.&nbsp; I repeat this for the next six\npay periods so I can plan ahead and insert any big expenses that I know I have\ncoming up.&nbsp; The beauty of doing it on a\nspreadsheet is that if I change the numbers one place, it\u2019s automatically\nreflected later on.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, my spreadsheet looks something like this:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"960\" src=\"http:\/\/lincon.com\/site\/wp-content\/uploads\/spreadsheet-1024x960.jpg\" alt=\"\" class=\"wp-image-703\" srcset=\"https:\/\/lincon.com\/site\/wp-content\/uploads\/spreadsheet-1024x960.jpg 1024w, https:\/\/lincon.com\/site\/wp-content\/uploads\/spreadsheet-300x281.jpg 300w, https:\/\/lincon.com\/site\/wp-content\/uploads\/spreadsheet-768x720.jpg 768w, https:\/\/lincon.com\/site\/wp-content\/uploads\/spreadsheet-624x585.jpg 624w, https:\/\/lincon.com\/site\/wp-content\/uploads\/spreadsheet.jpg 1041w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Notice how in our example spreadsheet that some line items like\nhousehold expenses&nbsp;and church and gas repeat from pay period to\npay period.&nbsp; This is because they are\non-going expenses.&nbsp; Other items such as\nthe mortgage repeat as well but not because they have to but because of the\nbenefit of paying interest&nbsp;bearing debts multiple times a month.&nbsp; Like I said, we\u2019ll talk about that in a\nseparate chapter.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The budget starts in the upper left and includes any monies that we\ncurrently have.&nbsp; We then add in our first\npaycheck&nbsp;of the\nmonth and start subtracting off of our expenses.&nbsp; We are then left with a certain amount of\nmoney so we know how much money we should have for any miscellaneous expenses\nthat come up.&nbsp; This also helps with\nexpenses coming up.&nbsp; <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Notice how we\u2019ll have a large credit card payment in the first pay\nperiod in July because of a family vacation that we took.&nbsp; After that pay period we\u2019ll only have about\n$800 left over so we need to keep that in mind.&nbsp;\nThat means that we really only have about $800 for miscellaneous\nexpenses&nbsp;between\nthe first pay period in May and then.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now it wouldn\u2019t be a terrible thing if we had to split that credit card\npayment up, but it\u2019s good to keep low balances as we\u2019ll learn.&nbsp; We can also put up to $100 in miscellaneous\nexpenses&nbsp;on our\ncredit card because we\u2019ve already budgeted to pay that amount on the card.&nbsp; <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So you can see that by keeping track of things we can not only see\nwhere we are at the moment, but where we\u2019ll be coming up.<br><\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><a>Savings<\/a><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">You might be asking or wondering where savings&nbsp;are reflected in the budget.&nbsp; Savings is a very important aspect to\nplanning and it gives you a cushion for expenses&nbsp;that seem to crop up out of nowhere or are\nseasonal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I like to spread my savings&nbsp;out and I do that by having multiple accounts\nwith multiple banks.&nbsp; There\u2019s no law\nagainst having two or more checking and savings accounts and banks often offer\nthem for free.&nbsp; Online banks such as USAA&nbsp;and Capital One&nbsp;360 offer better interest&nbsp;rates than most banks and apps that install on\na smart phone make making deposits easy so you can easily deposit checks but\nyou can always do electronic transfers.&nbsp;\nBest of all, the banks issue debit cards so you can use them anywhere\nand have access to your money wherever you want.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"588\" height=\"399\" src=\"http:\/\/lincon.com\/site\/wp-content\/uploads\/banks.jpg\" alt=\"\" class=\"wp-image-704\" srcset=\"https:\/\/lincon.com\/site\/wp-content\/uploads\/banks.jpg 588w, https:\/\/lincon.com\/site\/wp-content\/uploads\/banks-300x204.jpg 300w\" sizes=\"auto, (max-width: 588px) 100vw, 588px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">By having your money\nin multiple accounts, you lessen the risk of not having any money and you are\nless likely to spend all your money so you wind up having an automated savings&nbsp;plan.&nbsp;\nEvery pay period I put 10% of my pay check&nbsp;in one of the accounts and I switch between\nthe accounts.&nbsp; I include the money that I\nhave in the accounts with my total available funds.&nbsp; I\u2019ll typically just use my local bank account\nas my main account but if that account starts running down, I can easily start\nusing one of my other accounts.&nbsp; Another\nnice feature is that I can name the accounts to something that I want so I can\nname them after my savings goal like a vacation or maybe buying some land\nsomewhere.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Setting up the accounts are easy and can be done online.&nbsp; All you need to do is enter your current\naccount information so that you can transfer funds between the accounts.&nbsp; &nbsp;If you\nwant to transfer money between savings&nbsp;accounts, you can use the same bank routing\nnumber&nbsp;and then use the account number&nbsp;for the savings account instead of the\nchecking account.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"318\" height=\"159\" src=\"http:\/\/lincon.com\/site\/wp-content\/uploads\/check.jpg\" alt=\"\" class=\"wp-image-705\" srcset=\"https:\/\/lincon.com\/site\/wp-content\/uploads\/check.jpg 318w, https:\/\/lincon.com\/site\/wp-content\/uploads\/check-300x150.jpg 300w\" sizes=\"auto, (max-width: 318px) 100vw, 318px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/lincon.com\/site\/lincon-coms-guides\/simple-budgeting\/creating-a-budget\/\">Creating a Budgeting<\/a> | <a href=\"http:\/\/lincon.com\/site\/lincon-coms-guides\/simple-budgeting\/household-expenses\/\">Household Expenses<\/a> | <a href=\"http:\/\/lincon.com\/site\/lincon-coms-guides\/simple-budgeting\/debt-payments\/\">Debt Payments<\/a> | <a href=\"http:\/\/lincon.com\/site\/lincon-coms-guides\/simple-budgeting\/travel-budgeting\/\">Travel Budgeting\ufeff<\/a><\/p>\n<div id=\"linco-3096509858\" class=\"linco-bottom linco-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-7218081052625257\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-7218081052625257\" \ndata-ad-slot=\"2982622224\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); 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