Budgeting: Take This Simple Test To Learn Your BQ (Budgeting Quotient)
Have you been wondering whether or not you need to develop a financial budget? Here s a simple Yes/No quiz that can help you understand your BQ or Budget Quotient.
1. Are you already short of money when there are six or more days left in your pay period?
2. Have you received at least one call from a creditor in the past 30 days?
3. Have you maxed out one or more credit cards?
4. Have you put more at least $200 in savings during the past six months?
5. Are you 30 days or more late on one or more bills (such as your phone bill or car payment?
6. Does your checking account balance average less
...who plays golf thinks they have the secret to the perfect swing. This includes everyone from your father to the guy who wrote the latest golf book to your business clients. The truth is that there is probably something to ...
7. Do you have more than four credit cards?
8. Would it be a real emergency if your car suddenly needed a $500 repair?
9. Have you considered taking on a second job in order to make ends meet?
10. Have you talked with any financial institution about debt consolidation within the past 60 days?
If you answered yes to all 10 of these questions, your BQ is 100 and, boy, do you need to start work on a tough budget immediately.
Did you answer yes to six or more of these questions? Then you also need a budget. This is especially true if you answered yes to questions #3, #5, #7, #9 and #10.
...shooting all the way across the green. Chipping Golf Tip #2 Choose the right club: Your chip shots will not always be made with a wedge. A chip shot can be made with almost any iron. Remember, a chip shot ...
What s important in setting up an annual budget is making sure you have thought about all possible categories and that you have budgeted for each one realistically. Dig out all the checks and receipts you can and use them as a starting point. If you don t have any checks or receipts to help you in a specific category, you ll have to just ballpark an amount to begin.
...left heels. Picking a landing spot is imperative, as I ve mentioned in my golf tips. So is using a one-piece takeaway. In fact, it s as important in chipping as it is in driving. Since the shot is hit ...
You will most likely find that you have to increase the amount budgeted in some categories and reduce your spending in others.
Of course, developing a budget is only half the battle. The other half is sticking to it. If you handle the family’s finances and don t fell you have the self-discipline required to stick to a budget, maybe you should turn over the household finances to your spouse.
Creating and sticking to a budget isn t easy. It takes work and
...was undoubtedly a fine achievement and warranted the plaudits that Vijay received for such a superb season. However, did it make Vijay ten times better than Jeff Sluman who won just $1m in prize money in 2004? And how can ...
Do you play golf? If you do and you’d like to reduce your handicap — and have a great vacation — all at the same time, you just can’t beat North or South Carolina. To learn more about golf schools in these two states, including their costs, just go to http://www.topcarolinagolfschools.com
Douglas Hanna is a retired marketing executive, an avid golfer, the author of numerous articles on HD radio, and the Internet and the publisher and webmaster of http://www.hd-radio-home.com
