Then Budgeting for Beginners is the book for you.
M.L. Humphrey will walk you through how to look at where you are now, what that means for meeting your long-term goals, and how to take steps today to get to where you want to go tomorrow.
There is some math involved, but it doesn't have to be scary or intimidating. You can master your finances with just a little time and effort.
So what are you waiting for? Let's get started.
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M.L. Humphrey is a former stockbroker with a degree in Economics from Stanford and an MBA from Wharton who has spent close to twenty years as a regulator and consultant in the financial services industry.
This guide will walk you through how to create an Excel workbook that will allow you to track your monthly expenses, your cash and credit card spending by category, look at the next three months of income and expenses, as well as look at the bigger picture and calculate your assets, liabilities, net worth, and liquid net worth.
By the time you're done using this guide you will have created a tracking workbook that you can use on an ongoing basis to measure your financial health and help reach your financial goals. This workbook is based on the principles outlined in Budgeting for Beginners, but you don't need to have read that book to use this one.
You should, however, have a basic understanding of how to use Microsoft Excel.
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