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If you don't know how to make a budget or plan ahead, you may always seek professional help, they will do there best to help you out!

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When it comes to retirement, savings, emergency funds, safety nets, and a will, it is always important that you determine a budget and map out your future, you will be thankful in the long run.

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To Alex and I we believe that it doesn't matter how much you save as long as you try. If you can only afford to save 5$ a months, it will eventually add up, it's better than 0$ a month.

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In this website it explains that savings can be valuable in many ways, one of them is being able to relax. Relax as in not having to worry about paying off the debt you may have. Another one is having extra money that you could use to make more money! Sounds complicated, but it’s easier than you think, putting your savings into a high interest account or a mutual fund or even investing into stocks (more risky). You could possibly make profit off doing nothing. We learned that it is important that you just don’t let your money sit there, put it to work for you!

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Me and Alex both agree this website is very important because it explains what budgeting can do for you, it can help you gain control of your money instead of being blind. It also allows you to save for emergencys in the future, but most importantly helps you organize your savings. This is important because it lets you see if your able to pay off liabilites (leasing a car, or mortgage on a house). We learned that no matter where you are financially, you can always improve and take control of your money.

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This website includes a summary of what a budget is and why it is important, it also shows you how to create and monitor your personal budget. This link is relevent because it is very important to create a budget to monitor your expenses and perhaps create more savings and a safety net. We learned that a budget can help locate those expenses that you can cut out from your lifestyle (ie. eating out alot).

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In this video it shows you the importance of creating a household budget. Once this couple started to have kids, they couldnt handle the amount of expenses they had to pay, especially off one income, so they decided to create a household budget that helped them get back on there feet and not rely on credit as much. What we learned from this video was the importance of knowing your net income, and to create a budget to guide you.

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In this video, it teaches you the importance of financial planning, what is financial planning, and the procces. Finacial planning creates a picture of what your current situation is, and where you want to be either in 1 year, 5 years, 10 years etc, but also creates a map to get to where you want to be. in this video we learned that there are four categories you must evalute during financial planning, They are documents, savings, protection, and long term.

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In this video, she describes creating a financial plan, which the first step would be creating a budget, looking at your income compared to expenses, to find out your net income. This video is very important because it is a stepping stone towards your financial goals (ie Safety Net). The information we found useful was that when you create a budget, you can use that as a guide to figure out your long, medium or short term goals.

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Personal Financial Planning Tips : How to Create a Financial Plan

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When creating a financial plan, the first thing to consider is setting up a budget to better understand how much money can be saved. Learn why a budget is crucial for setting up a financial plan with tips from a financial planner in free personal-finance video.

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Thank you for taking the time to view our Padlet wall. This wall is about financial planning, and the importance of having a "safety net. A "safety net" is a set of funds you should have for an emergency or rainy day, for example an emergency could be possibly getting laid of at work, the safety net would help you financially while you look for another job. This wall will also go into how saving and budgeting are necassary components of the plan. Saving and budgeting are very important because they will help you achieve the financial goal that you are striving for. Hope you enjoy!