Our local newspaper featured a two page spread on budgeting today. It should have meant that lots of people were going be helped … BUT IT DIDNT!

Instead of encouraging people and telling them of the budgeting breakthroughs of the last decade the article talk about budgeting as if we were still in the 19th Century. As a result, more people will try to develop a personal budget using out of date information and give up.

Let me paint you a picture of how different our banking system is today. Then Ill give you the good news about how you can make the current banking system do most of your personal budgeting for you.

Back in the good old days you were paid in cash. The cash went home and was put in envelopes, bottles or tins so that when a bill came around you had enough money put aside to pay it. Everything was either paid in cash or cheque. There were no periodic payments or direct debits. Internet banking was not even thought of.

Budgeting was simple as there were few accounts and you could see where your money went. Then came the 21st Century with all the exciting new ways of banking.

Heres a question that shows how difficult it has become to know what is happening with your budget. You go to the ATM. The balance in your account is $450. How much of that $450 can you spend?

Sounds simple until you start to think about the mortgage payment being due next week and has the insurance come out yet? The truth of the matter is that many people dont know how much of the money in their bank account they can spend. Some of us overspend and run short of money. Some of us are overcautious and worry about the lack of money even though they actually have plenty.

GOOD NEWS! Theres a simple way of knowing what money you can spend and what money is already spoken for. By using separate bank accounts for you Bill money and your Day-To-Day money you can say goodbye to worries of spending money that is spoken for.

Let me put that another way. If your bill money is in its own account and your Day-To-Day money is in its own account then you wont be worrying about if you are overspending.

Which brings us to the number one question about budgeting. What is the best Personal Budgeting or Money Budgeting Plan around? The answer is simple. The Personality Budgeting Program is the only program that has been designed to allow people to sort their money the way they spend it. If you want a lot of work then there is lots of alternatives, however if you want to get on with your life then you owe it to yourself to look at the Personality Budgeting Program. Visit The Personality Budgeting Program

David East discovered that most people failed with their budgeting and money handling because they were trying to budget in ways that didnt suit them. The result of this discovery was the Personality Budgeting Program. Today people in 41 countries are being helped to enjoy their money! Visit Personality Budgeting