The Benefits Of Having A Personal Budget Planner

There are plenty fancy ideas out there for personal budget planners. You can use them on your computer or on handheld devices. They sound like awesome little gadgets except it gives you the idea that owning one will mean youll somehow have tons of extra money. Excel has one of those programs that lets you graph everything out or plot your progress on pie charts. While they seem fancy and look cool, you cant make a silk purse out of a sows ear, as my grandmother used to say. In other words, if you dont have the money to spend, a fancy budget planner wont help you very much.

I dont think its half as important if you have one of these things than it is to actually use one. Sometimes theyre too complicated than theyre really worth. I personally like the idea of a paper log book, a nice sharp pencil and maybe a calculator. I like the idea of seeing the numbers all work out for myself rather than having a computer do it all for me. The computerized budget planners are too abstract and it makes me nervous not to see the numbers right there.

I have a great brown leather bound budget planner. Its elegant and, for the most part, its easy to use. But Ive decided thats not my...