{"id":10367,"date":"2020-08-11T16:31:11","date_gmt":"2020-08-11T16:31:11","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=10367"},"modified":"2025-04-28T23:56:32","modified_gmt":"2025-04-29T06:56:32","slug":"budgeting-tips","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips","title":{"rendered":"Budgeting Help – Financial Tips & Guidelines | Credit Counselling"},"content":{"rendered":"

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Expert Budget Tips & Advice<\/h1>\n

[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.27.4″ text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n

Simple tips to help you master your personal finances.<\/p>\n

[\/et_pb_text][et_pb_button button_url=”#financial-edu-form” button_text=”Get in Touch” button_alignment=”center” disabled_on=”on|on|off” module_class=”ccs-modal-trigger” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_text_color=”#ffffff” button_border_width=”2px” button_border_color=”#2ad13d” button_use_icon=”off” global_colors_info=”{}” button_text_color__hover_enabled=”on|desktop” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”rgba(0,0,0,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px” button_text_color__hover=”#2ad13d”][\/et_pb_button][et_pb_button button_url=”tel:1-888-527-8999″ button_text=”1-888-527-8999″ button_alignment=”center” disabled_on=”off|off|on” module_class=”ccs-modal-trigger” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_text_color=”#ffffff” button_border_width=”2px” button_border_color=”#2ad13d” button_use_icon=”off” global_colors_info=”{}” button_text_color__hover_enabled=”on|desktop” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”rgba(0,0,0,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px” button_text_color__hover=”#2ad13d”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Intro Paragraph” module_id=”uperform-section” _builder_version=”4.21.0″ background_color=”rgba(91,37,175,0.15)” custom_padding=”0px||130px|||” custom_padding_tablet=”||135px||false|false” custom_padding_phone=”||102px||false|false” top_divider_style_last_edited=”off|desktop” bottom_divider_style=”ramp2″ bottom_divider_color=”#ffffff” bottom_divider_repeat=”1x” bottom_divider_flip=”horizontal|vertical” bottom_divider_style_tablet=”” bottom_divider_style_phone=”” bottom_divider_style_last_edited=”on|phone” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”100px” bottom_divider_height_last_edited=”on|phone” bottom_divider_flip_tablet=”” bottom_divider_flip_phone=”horizontal” bottom_divider_flip_last_edited=”on|phone” da_popup_slug=”uperform-section” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.22.0″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|desktop” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_dmb_breadcrumbs font_icon=”%%20%%” use_home_icon=”off” use_home_text=”on” show_custom_taxonomy_crumbs=”off” _builder_version=”4.27.4″ body_text_color=”rgba(102,102,102,0.8)” link_text_color=”rgba(42,209,61,0.8)” custom_margin=”||50px|||” custom_padding_tablet=”” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” global_module=”6437″ saved_tabs=”all” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”rgba(90,39,178,0.4)”][\/et_pb_dmb_breadcrumbs][et_pb_text _builder_version=”4.27.4″ header_2_font_size=”30px” global_colors_info=”{}”]<\/p>\n

Get Help Making a Personal Budget
\nFinancial Tips and Guidelines<\/span><\/h2>\n

We’re committed to helping you learn good money management skills. Our highly requested 7 step workbook helps tens of thousands of people develop a personal budget every year. It can help you too by guiding you through the process of organizing your money, understanding where you are, and making concrete plans to reach your financial goals.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” _builder_version=”4.22.0″ _module_preset=”default” custom_padding=”0px||100px|||” bottom_divider_style=”curve2″ bottom_divider_color=”#E4F8E0″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”||1px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_2_font_size=”30px” link_option_url=”https:\/\/nomoredebts.org\/budgeting\/build-budget” link_option_url_new_window=”on” global_colors_info=”{}”]<\/p>\n

Money Management Basics
7 Steps That Will Help You Build a Budget That Works<\/span><\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”1px||1px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/7-steps-budgeting-workbook-pdf.png” alt=”7 easy steps to budgeting workbook available for download to help you create your first budget.” title_text=”7 Steps Budgeting Workbook PDF” url=”\/wp-content\/uploads\/2020\/08\/7-Steps-Budgeting-Workbook-PDF.pdf” url_new_window=”on” align=”center” _builder_version=”4.26.0″ _module_preset=”default” animation_style=”flip” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”]This workbook is available as a free PDF download. You can download it as a regular PDF<\/a>, a fillable PDF<\/a>, or you can view it online<\/a>.<\/p>\n

If you wish to receive a printed version of this workbook, please contact us<\/a> to get a copy.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Section” module_id=”budget-calculator” _builder_version=”4.22.0″ _module_preset=”default” background_color=”#e4f8e0″ custom_margin=”0px||0px||false|false” custom_margin_tablet=”||-90px||false|false” custom_margin_phone=”||-90px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”50px||50px||true|false” custom_padding_tablet=”35px||||false|false” custom_padding_phone=”55px||39px||false|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;\t” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/fun-budgeting-plans_2colm.jpg” alt=”fun budgeting plans” title_text=”fun-budgeting-plans” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ custom_padding_tablet=”||40px||false|false” custom_padding_phone=”||30px||false|false” custom_padding_last_edited=”on|phone” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.22.0″ custom_margin=”||14px|||” animation_direction=”top” global_colors_info=”{}”]<\/p>\n

Budget Calculator That Guides You & Helps You Build a Budget<\/h2>\n

To make budgeting easier and more fun, we’ve created a budget calculator that guides you as you create your own budget. It makes suggestions and warns you if you’re spending too much money in any part of your budget.<\/p>\n

Once you’re done, it can take a look at your budget and see if it can find any ways for you to improve your spending plan or save some money.<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Download Options<\/a><\/p>\n

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Features of Our Free Budget Calculator Spreadsheet<\/h3>\n

Our free Excel, OpenOffice, and Numbers (for the Mac) budgeting worksheet will help you manage your money better. The features of the calculator include:<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” custom_padding_last_edited=”on|phone” module_class=”custom_row” _builder_version=”4.23.4″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” custom_padding=”0px||0px||false|false” custom_padding_tablet=”11px||0px||false|false” custom_padding_phone=”19px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”left” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ custom_padding=”||0px|||” animation_direction=”top” global_colors_info=”{}”]<\/p>\n