Learn how to plan for your financial future.

You have to budget if you want build wealth.

You need to start a budget. And yes I know it’s a four-letter word for most people. But, if you don’t know what you have and where it’s going, then you can’t fix the problems.

The first step to getting to where you are going is to know where you are now. And in order to know where you're starting from, you'll need to know your current income and expenses. Just like planning a vacation you need to know where you are starting to figure out how to get to your destination. If you are planning a trip from the US to France then you’ll never get there if you try to drive.

There are several different methods when if comes to budgeting. There is the 50-30-20 system, the Envelope system, or software systems. For awhile I used a spreadsheet I created based on the envelope system, you can download checkelope for free.  

Now I use Personal Capital, which I love, and is the tool I use to track my checking, savings, investment, retirement accounts, and my net worth. It has good reports, tracking, and a retirement calculator. In addition to all that it’s free. You are able to link most of your online accounts and it will download your transactions. It will then give you a list and graphs of your assets and debts and will calculate your net worth.

Help me get back on track to financial independence.

24 Amazing tools

24 Amazing Tools: Make The Most Of Your Money

Investments Personal Capital - This is the tool that I use to track my checking, savings, investment, retirement accounts, and my net worth.  It has ...

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Growing up financially content is for educational purposes only and should not be used for investing real money. Growingupfinancially.com is not an investment adviser, brokerage firm, or investment company. Christopher Graham and growingupfinancially.com are not professional money managers, accountants, or financial advisors. Any investment involves the taking of substantial risks, including but not limited to, complete loss of capital. Every investor has different strategies, risk tolerances, and time frames. Contact a professional certified financial advisor before making any financial decisions.
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