December 28th, 2011 
bigmoney 
Personal finance budgeting is on of the key ingredients to building wealth. It allows you to quickly pay down debt, save for college, regularly invest so you can enjoy an early retirement, and live a stress free. When you budget appropriately, you can comfortably go about your life knowing exactly how much money you have coming in and how much you can afford to spend.Personal finance budgeting sounds like a boring thing to do, and most people do not like working with numbers, but it’s really easy. I spend maybe 10 minutes a week, sometimes every other week, to budget, and I do it the hard way. I simply created an Excel spreadsheet that is organized by categories: housing, cash withdrawals, food, reoccurring expenses, gas and other. Once a week, or every other week, I log in to my bank account and credit card accounts and copy my expenses in the appropriate column. The spreadsheet automatically totals my expenses up and subtracts that from my monthly budget. So all I have to do is plug in my expense and the spreadsheet tells me how much money I
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