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Home The Family Plan Accounting/Fiscal Why You Need an i-Budget
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Why You Need an i-Budget

Kerry Clark March 2, 2018 Leave a Comment

Why You Need an i-Budget

5 Reasons Using A Digital Budget is Easier

Maybe you could use some help with your budget.  Most of us are not Excel (spreadsheet) experts or have a profession in finance.  Don’t allow this to keep you from being a budget ninja.  Again, Mint is a one stop shop.  It has budgeting functions built right in.  I call it my “digital” budget.  You can call it your i-budget.

In previous messages, we discussed budgets, but this is the first time we’ve ever discussed a digital budget (or i-budget) and the reasons why you need a budget at all.

I’ve often said to people, don’t let your smartphone be your “dumb” phone.  Your smartphone is much more than a communications, social device.  It’s a tool and in this case it can help you budget with the assistance of the Mint app.  Let me give you 5 reasons why a digital budgeting tool can be helpful. Keep in mind that a budget is a must if you want to improve your financial disposition.  

  1. It automates the process.  Using a digital tool (and app), makes budgeting automatic once it’s setup.  The app can give you notifications when you exceed what’s budgeted, when recurring bills are due and much more.
  2. It gives you a base-line.  Setting a digital budget gives you your base-line for spending.  It’s the floor of what you spend.  The budget indicates that under normal conditions this is your spending-floor for any given month.  Do you know what your spending-floor is?  How about your spending threshold?  This is the amount you could possibly spend above your spending-floor.
  3. It lets you see where you got off track.  What areas are constantly putting you over your budget?  Knowing what areas create problems for you is important.  You can head those off in future months.  Maybe it’s an indication that it’s time to readjust your budget.      
  4. It indicates whether you have enough.  Any budget can give you a good picture of whether you have enough to cover your expenses, but a digital one gives you this detail real-time (or as it happens).  What a reassurance it is to be able to see the big picture with your money as it happens or is readily available.  
  5. It sets the priority for your spending.  Most importantly, the priority for spending is key.  When you spend without any priorities, the most important expenses somehow are the ones that get left out of the picture; you experience shortages.  Don’t let this pattern continue.

Get a tool to help you budget, a digital budget, an i-budget.

Today is Friday!
You need a budget and a digital one maybe the thing you’re missing out on.  If you’ve never been good at budgeting before, maybe it’s time you use your smartphone as a tool that could help with that.   A digital version (I assure you) is much easier than a paper version.  Successful homes manage their finances with a budget; it’s not something that ordinary people use, it’s an “uncommon” tool.  In order to have what others don’t, you need to do what others don’t.  I encourage you to use that tool in your hand to be more than just a social device, but a business tool for your life, your business.

The Family Plan Binder is available now!

Our team has worked very hard putting it together. We designed it to help you and your family move the needle forward in making your life your business. Find out more about the Family plan here.

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About Kerry A. Clark

Kerry A. Clark is an author, Christian life coach, Information Systems & Technology professional, platform builder and project manager.

He lives in Birmingham, Alabama with his wife, Pamela, and daughter, Tamia and has devoted his life to his 3 M’s: Mission, Message, and Ministration.

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