PERSONAL BUDGETING Budget – A plan for earning, saving, borrowing and spending.

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Budget – A plan for earning, saving, borrowing and spending.
Presentation transcript:

PERSONAL BUDGETING Budget – A plan for earning, saving, borrowing and spending.

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Explain the Reasons to Track Income & Spending Understand the concept of Pay Yourself First BUDGETING Copyright © Texas Education Agency, All rights reserved. 3

Key Terms E XPENSES I NCOME B UDGET What you spend money on Any money you receive A plan for managing your money during a given period of time. Copyright © Texas Education Agency, All rights reserved. 4

Reasons to Track Income and Spending BUDGETING Copyright © Texas Education Agency, All rights reserved. 5

Do you spend more than you make? Spending and saving is about lifestyle choices. Make sure your spending is in sync with your income Learn to evaluate your cash flow Understanding your financial situation can help you to get the best rates for paying off debts and for saving. Make informed decisions about what to do with your money Spending habits – the choices you make If your goals include taking a vacation or going to school, you need to know today so you can make plans Understand what you need to do to achieve future goals. Reasons to Track Income and Spending Copyright © Texas Education Agency, All rights reserved. 6

Understand the concept of Pay Yourself First Copyright © Texas Education Agency, All rights reserved. 7

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