If you often ride shot gun in someone else’s Richmond Nissan, it may surprise you to learn that as a side-seat driver, you have some obligations to ensuring a safer ride. Believe it or not, being a good passenger is not something everyone considers when hopping in a vehicle so Pence wants to remind passengers of their duties as a passenger.

Here are some considerations to make:

Trust the Driver

One of the worst things a passenger can do during a drive is to express their anxieties about the driver’s skills. Passengers who are nervous co-pilots often yell aloud, slam on imaginary brakes, or make a desperate grab for the dash when they feel they have no control over heavy traffic or other on-road circumstances. All of this is very distracting to the driver who can easily lose focus of the task at hand and end up causing an accident.

Be Alert

As a passenger, it may seem like you have all the time in the world to kick back and relax but in truth, the driver may need to rely on your alertness to help them when traffic is bad and too many things are going on at once.

The extra set of eyes you offer can help keep everyone safe from potential dangers on the road.

Be Courteous

Be conscious of staying out of the driver’s field of vision. Passengers in the front and the back will often find the driver asking them to move their head out of their line of vision in the window or mirrors. When a driver can not see in a glance what is going on, accidents can occur. Position yourself and your seat out of the line of vision before hitting the road.

You also need to remain courteous and respectful of the driver’s space and comfort. Don’t blast the radio, talk loudly on a cell phone, or distract the driver in any way during the trip. The more distracting you are the less the driver is focusing on the task of driving.

Whether you are driving your Nissan around Richmond or taking a longer distance trip, the safety of everyone can be increased by alert and courteous passengers.

The topic for this article is Personal Finance Budgeting. The first step in becoming financially responsible is starting out with a personal financial budget. Absent a budget there is no way one can possibly track their income and expenses.

Before getting into what personal budgeting finances are I want to explain why budgeting is important. For this idea we will say that you have decide to startup a business, a personal financial advising firm. When establishing your financial advising firm the first thing to be done is the planning out of your company expenses. Most people would logically budget for their expenses before they began because without this financial planning you would have no idea of whether or not your financial advising firm could potentially be profitable. The next thing is to plan out your revenues. Then you would take the difference between the two and see whether things looked good or not.

This is what a financial budget is for a company and people should handle their personal finances in the same manner. When establishing a personal financial budget it is important to include everything that involves your money.

You can find personal finance software on the internet. This software is made so that you can easily enter all your income and expenses and it does everything else for you.

The components in a personal financial budget include both income and expenses. Examples of income in a personal finance budget include job income, gambling winnings, capital gains, social security, tax refund, etc… Examples of expenses in a personal budget worksheet include SAVINGS, electric bill, health insurance, cell phone, groceries, books, shoes, clothes, car insurance, gas, entertainment, travel, miscellaneous, etc.

This expense list does not include all potential expense, I’m sure you can think of others right now. Anything possible thing that you can think of that you might need to spend money on should be put on your personal budgeting worksheet.

I know that some of you are thinking to yourselves “Savings? What? Thats not an expense!” Well I’m here to tell you that savings should indeed be thought of as an expense. Each month one should personally budget for a certain amount of their money to be saved. This should not be an “if I have money left over” situation. It should be definite and as automatic as writing that check for your mortgage every month.

The most basic concept of personal budgeting is to control spending and use your money wisely so that you have money left over rather than having no money or going into debt.

After listing your income and expense on your budget worksheet you need to subtract the expenses from your income and get a Net Cash Flow for the month. The idea is to include all income and costs and come out with a positive cash flow on your personal financial worksheet. If the number comes out negative then you have a problem and your expenses will need to lowered.

Now you know exactly what a budget is and how to make one. The next thing to is run a few Google searches an find a budget template to make things easier.

You need to keep a budget every month. No, you cannot simply make one plan for the whole year and stuff it away somewhere to forget about it. Our income levels change and our expenses change and these changes need to be accounted for.

To be successful with your personal budgeting plan you need to make out a projected personal budgeting plan for the whole year. Then as each month passes you can make monthly adjustments.

The other thing to do is keep a record of your actual income and expenses and compare that to your personal financial budgeting worksheet. You want to make sure that your original estimates were correct or at least close.

The thing about a personal financial budget is that it sets you up for success and helps keep you from needing to use credit cards or other debt to make it.

If you have an accurate personal financial budget then you will be prepared for the unexpected financial burdens that happen from time to time.

There should be no issues when your car breaks down and you suddenly need $300 to fix it. All is good because you have been putting money into savings each month.

This is the most basic idea of personal financial freedom and personal finance budgeting. If you can establish a sufficient level of savings then you can begin to be at ease with your financial situation.

Most people are clueless and don’t realize that their unplanned/unwritten actual personal finance budget includes something like $4500 of income and $4700 of expenses each month.

Next time I will take a short break from the Mini Series and instead suggest a few personal financial budgeting software programs that are available out there.

The recession has been rather tough on American consumers, but luckily the recession is now over and the customers are coming out of the woodwork to buy during the Christmas season. That’s all well and good, however, the smartest consumers are still a little sketchy, and they are saving their dollars, and shopping for discounts, and opportunity buys. Who can blame them right?

What if I told you there was a book that can help you save money on nearly everything you buy in every category that you’re shopping for? It’s true, in fact in this book nearly everything you could think of, that you’ve ever purchased is listed. And there are one or two paragraphs giving you a secret techniques and tips to getting the best deal. Everything from shopping for the best bank account with the best services, and lowest fees, to finding the best service plan for your cell phone.

“More Secrets and More inside Information,” By Boardroom Reports

The authors of this collaborative work and the editors have done a fine job searching out all the things that you might buy. Perhaps, you wish to negotiate the price on cleaning your pool, or want to save money on your auto insurance, or maybe you want to find a way to get a better deal on dog grooming. Would you like to know when the best time to go grocery shopping is?

All these things and more are listed in this book. It is literally the personal finance insider tips guide to saving money. And, right now everybody wants to save money, and make their dollar stretch as far as possible. This is something you should always do whether the economy is flying, or still submerged. Indeed, I hope you will please consider this and perhaps, get this book for your personal library so you can start saving money today.

Many people shy away from budgets because they believe that it will be too rigid and leave them no money for fun stuff. That is not true. A personal finance budget is not something to make you feel imprisoned; it is something that will set you free. If you are tired of worrying whether you will have enough money for your bills and wondering where all your money went so fast, it is time to make a budget. Here are some things to help you make a personal spending plan.

Track your spending. It is very important to see where you are spending your money. It can be very enlightening. The best way to do this is to write down every penny that you spend for a specified period of time. Some people do this for a week or a month. You can use a simple notebook or a computer software program. Once you have done this, you can identify areas where you might be able to cut back and areas where you may need to spend a little more.

List your income. It is important to list all of your income. Even the small things, like that interest check from a CD, can add up and be significant. It also helps you get a true picture of your assets.

Make a list of your expenses. After you have listed all of your income, make a list of all expenses. Include all of your bills, even the small ones. After you write down your monthly bills, make a list of personal expenses. This is where a budgeting software program or website can come in handy. Include things like gas, spending money, food, entertainment, dues, haircuts, dry cleaning, etc… Try to list anything that you can think of, so that you can get a good idea of what you need to budget for.

See where you can cut back. Many of us are spending money in places that it is not necessary. If you have a shortage of funds in relation to your income, take a hard look at your expenses. Maybe you could cut back on your cable bill or scale back your cell phone minutes. See where you can reduce your spending to help make up the shortage and make your budget work.

Pay yourself. Everyone should be setting aside some money for saving. This can come in many forms. A traditional savings account is a wise thing to have for emergencies or to reduce unsecured debt. You should set aside a portion of your income each month to your savings account — even if it’s only $5. This helps you to build a habit of saving and you can increase it when you are able. You can have a goal of saving enough to pay off your unsecured debts and be debt free. Participating in your employer’s 401K program is also an excellent way to save. The money is taken out of your paycheck before taxes and you will hardly miss it.

Stay the course. It will take time to get used to your budget. Even if it seems hard at first, hang in there. Keep in mind that this spending plan will help you to reach your financial goals. It will help you to pay your bills on time and improve or preserve your credit score. A budget is a tool to help you achieve financial freedom, so keep up the good work and before you know it you will be debt free!

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