Everybody should have a budget. Why? Because if you don't, how do you know how much money you have. The truth of the matter is you cannot- for long- buy stuff without
knowing how much you have.
If you are older you know the importance of
having enough money. When you're young, most times the
logic of balancing your expenses against income is not really a priority.
At some point in your life you most likely
will come to grips with the fact that you need a way to budget your expenses. If you don't,
there will be a time or two that you'll run out of money in the checking
account, or, you'll be late with a payment, or, maybe you just come to realize
that you are not getting anywhere, financially.
Well I'm here to tell you all is not lost. If you got this far I know that you are probably concerned enough to want to
at least try to budget. It really isn't that hard to do.
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If you are
interested in the stock market but are shying away because of the volatility
that comes with investing, try the
Investing in the stock market for beginners
article for a better understanding and how you might overcome your concerns.
Individuals can buy and sell
stock from the companies themselves, passing up brokerage fees. Read this
starter article on the
Reinvestment Plan (DRIP) program that most
NYSE and NASDAQ listed companies offer.