What does the word "budget" mean to you?
For many people out there, the word has an extremely negative connotation, conjuring up images of self-deprivation, tedious bookkeeping, and guilt-ridden uncertainty about being able to successfully stick to it. (Not exactly the warm fuzzy feelings most of us are looking for, eh?)
Not for me.
With the recent launch of the Wells Fargo Online® free tool My Spending Report with Budget Watch, planning and tracking my budget has made me feel more empowered over my money than ever before!
We don't normally pitch Wells Fargo products or services here on the blog, but seriously, it's great! The new online tool tracks and categorizes my deposits and spending for me, and enables me to easily set up a personalized budget that fits my needs.
I may not — and don't — always like what I see. As a recent graduate whose student loan repayment has just kicked in, it's difficult to see the occasional gaps between what I'm bringing in and what I'm spending.
But here's the thing: At least I KNOW what the gaps are, so I can take the steps to bridge them — whether it's talking to a banker, my parents, or a student loan representative. I can be proactive about my finances, and I feel confident that I am taking actions to build the future that I envision for myself.
Empowered. Proactive. Confident.
Now those are feelings I like!
Give it a try, and let me know what you think!
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