By Josh Freeman at May 01 2019 15:24:05
Budgeting Worksheet Tip #5: Goals_Based Most budgeting programs don't accommodate for your financial goals, they simply look back at the previous month to help you determine your spend for the current month. That is not good budgeting. If you have a cash flow problem, then it will just perpetuate into future months and you won't even realize it's happening. Furthermore, you are not creating a plan to achieve your goals. An excellent budgeting worksheet will accommodate for your financial goals and help you determine what you can afford or what it will take to meet those goals. It will take into account your income, current debt, expenses and savings to help you generate a plan to meet your goals.
Know the author's background. This person needs to have a background in education and, ideally, should be trained in the latest educational methods, like brain_based teaching/learning. I personally would never use any materials with my child that didn't specifically mention being "brain_based." I am not talking about just "research_based." I see more and more sites claiming to have research_based materials, but what I find is definitely NOT based on how the brains actually learns. Brain_based learning is relatively new in the educational world, but most worksheet sites and materials are using old science or, more often, no science at all.