{"id":10,"date":"2011-04-18T23:43:32","date_gmt":"2011-04-18T21:43:32","guid":{"rendered":"http:\/\/blog.ejitech.com\/test-page-4\/"},"modified":"2014-07-23T07:57:23","modified_gmt":"2014-07-23T11:57:23","slug":"cashflows","status":"publish","type":"page","link":"https:\/\/www.ejitech.com\/howtosavemoney\/cashflows","title":{"rendered":"Your CashFlows"},"content":{"rendered":"<p>Before you start your money saving plan, it makes sense to figure out exactly where you stand financially as of today. This includes adding up all what you own and owe. To keep it simple, we would only stick with the amount of money you have in savings \/ investments, and your monthly expenses such as groceries, transportation, credit and department store card debt, entertainment, clothing, association \/ recreational fees and your housing \/ home costs.<br \/>\n<script>\/\/ <![CDATA[\ngoogle_ad_client = \"ca-pub-8665362283969338\"; \/* Header2 *\/ google_ad_slot = \"5574703884\"; google_ad_width = 468; google_ad_height = 60;\n\/\/ ]]><\/script><script src=\"http:\/\/pagead2.googlesyndication.com\/pagead\/show_ads.js\"><\/script><br \/>\nThe idea is to first find out where your money goes each month, and look for places where you can cut back to save money. You can then use the money saved to pay off existing debt, build your savings account or fund other investments.<\/p>\n<p>Use the following excel spreadsheets to calculate your <a href=\"http:\/\/www.ejitech.com\/howtosavemoney\/wp-content\/uploads\/2014\/01\/MonthlyBudgetPlanner.xls\">monthly<\/a> and <a title=\"Annual Personal Budget Worksheet\" href=\"http:\/\/www.ejitech.com\/howtosavemoney\/eTools\/PersonalBudgetWorksheet.xlt\">yearly<\/a> cash-flow.<\/p>\n<p>The Mortgage and Loans Calculator above is also provided for your convenience.<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>Before you start your money saving plan, it makes sense to figure out exactly where you stand financially as of today. This includes adding up all what you own and owe. To keep it simple, we would only stick with &hellip; <a href=\"https:\/\/www.ejitech.com\/howtosavemoney\/cashflows\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"_mi_skip_tracking":false},"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"How you spend your money\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"keywords\" content=\"budgeting tips,budgeting software,how to budget,budget planner,financial planner,estate planner,loans,low rates,value,student debt,student loan,credit counselling,student discount,student discount program,discount,education 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