Sun. Feb 18th, 2024

Budget In Brief

Budget In Brief

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Developer’s Description

Budget In Brief is the tool for Budget Analysts and Enterprise Solution Integrators. It is built with the goal of allowing budget analysts and enterprise solution integrators to create, manipulate budget data. It automates the production of budget documents, greatly improving the time-intensive process; provides a solution to combine financial information, exhibits, reports, and narratives in to final book that is ready for publication Budget In Brief enhances the current budget formulation and publication process, with an automated, standardized, and repeatable process, suitable for any kind of budget submissions. It drives a consistent look and feel across all organization budget submissions, and flexibly adapts to the latest organizational standards. For a Federal, State, Municipal or commercial organization, the Budget In Brief application will support budget formulation for Presidential, Congressional, or any other internal submission. The user interface is simple, friendly and robust; it provides all required information in one window, and was created with the focus on 508 compliance requirements. Simplified installation process does not require administrative privileges. Budget In Brief does not need Microsoft Office to produce documents. The command line tools do not require any human response, and are designed for server automation. Application is scalable and fast. It performs flawlessly whether on a user laptop, single server or on a load balanced web farm powering an enterprise wide application.

Budget In Brief is a tool for Budget Analysts and Enterprise Solution Integrators. The Budget In Brief application was built with the goal of allowing budget analysts and enterprise solution integrators to create and manipulate budget data. Budget In Brief automates the production of budget documents, providing a solution combining financial information, exhibits, reports, and narrative and media documents, all created with common word processing packages, into final documents that are ready for publication.

For Budget Analysts
Budget In Brief enhances the current budget formulation and publication process. With an automated, standardized, and repeatable process, suitable for any kind of budget submissions. It drives a consistent look and feel across all organization budget submissions, and flexibly adapts to the latest organizational standards.

No matter whether you are a member of a Federal, State, Municipal or Commercial organization, the Budget In Brief application will support the budget…

About Budget In Brief

Create and manipulate budget data.

Budget In Brief is a tool for Budget Analysts and Enterprise Solution Integrators. The Budget In Brief application was built with the goal of allowing budget analysts and enterprise solution integrators to create and manipulate budget data. Budget In Brief automates the production of budget documents, providing a solution combining financial information, exhibits, reports, and narrative and media documents, all created with common word processing packages, into final documents that are ready for publication.

For Budget Analysts
Budget In Brief enhances the current budget formulation and publication process. With an automated, standardized, and repeatable process, suitable for any kind of budget submissions. It drives a consistent look and feel across all organization budget submissions, and flexibly adapts to the latest organizational standards.

KEY TAKEAWAYS

  • A budget is an estimation of revenue and expenses over a specified future period of time and is utilized by governments, businesses, and individuals.
  • A budget is basically a financial plan for a defined period, normally a year that is known to greatly enhance the success of any financial undertaking.
  • Corporate budgets are essential for operating at peak efficiency.
  • Aside from earmarking resources, a budget can also aid in setting goals, measuring outcomes, and planning for contingencies.
  • Personal budgets are extremely useful in managing an individual’s or family’s finances over both the short and long term horizon.
  • Understanding Budgeting

    A budget is a microeconomic concept that shows the trade-off made when one good is exchanged for another. In terms of the bottom line—or the end result of this trade-off a surplus budget means profits are anticipated, a balanced budget means revenues are expected to equal expenses, and a deficit budget means expenses will exceed revenues.

  • Budget Development Process

    The process begins by establishing assumptions for the upcoming budget period. These assumptions are related to projected sales trends, cost trends, and the overall economic outlook of the market, industry, or sector. Specific factors affecting potential expenses are addressed and monitored.

    The budget is published in a packet that outlines the standards and procedures used to develop it, including the assumptions about the markets, key relationships with vendors that provide discounts, and explanations of how certain calculations were made.

    The sales budget is often the first to be developed, as subsequent expense budgets cannot be established without knowing future cash flows. Budgets are developed for all the different subsidiaries, divisions, and departments within an organization. For a manufacturer, a separate budget is often developed for direct materials, labor, and overhead.

    All budgets get rolled up into the master budget, which also includes budgeted financial statements, forecasts of cash inflows and outflows, and an overall financing plan. At a corporation, the top management reviews the budget and submits it for approval to the board of directors.

    Static Vs. Flexible Budgets

    There are two major types of budgets: static budgets and flexible budgets. A static budget remains unchanged over the life of the budget. Regardless of changes that occur during the budgeting period, all accounts and figures originally calculated remain the same.

    A flexible budget has a relational value to certain variables. The dollar amounts listed on a flexible budget change based on sales levels, production levels, or other external economic factors.

    Both types of budgets are useful for management. A static budget evaluates the effectiveness of the original budgeting process, while a flexible budget provides deeper insight into business operations.

     

    Personal Budgets

    Individuals and families can have budgets, too. Creating and using a budget is not just for those who need to closely monitor their cash flows from month to month because “money is tight.” Almost everyone—even people with large paychecks and plenty of money in the bank—can benefit from budgeting.

Building a Budget

In general, traditional budgeting starts with tracking expenses, eliminating debt, and once the budget is balanced, building an emergency fund. But to speed up the process, you could start by building a partial emergency fund. This emergency fund acts as a buffer as the rest of the budget is put in place and should replace the use of credit cards for emergency situations.

The key is to build the fund at regular intervals, consistently devoting a certain percentage of each paycheck toward it, and if possible, putting in whatever you can spare on top. This will get you to think about your spending, too.

What’s an Emergency?

You should only use the emergency money for true emergencies: like when you drive to work but your muffler stays at home, your water heater dies, or a leak springs in your roof.

You would save money if you used your emergency fund to eliminate credit card debt, but the purpose of the fund is to prevent you from having to use your credit card for paying for unexpected expenses. With a proper emergency fund, you will not need your credit card to keep you afloat when something goes wrong.

Downsize and Substitute

Now that you have a buffer between you and high-interest debt, it is time to start the process of downsizing. The more space you can create between your expenses and your income, the more income you will have to pay down debt and invest.

This can be a process of substitution as much as elimination. For example, if you have a monthly gym membership, cancel it. Use half of the money you save to invest or pay off outstanding debts, and save the other half to begin building a home gym in your basement. Instead of buying coffee from a fancy coffee shop every day, invest in a coffee maker with a grinder and make your own, saving more money over the long term.

Although eliminating expenses entirely is the fastest way to a solid budget, substitution tends to have more lasting effects. People often cut too deep and end up making a budget that they can’t keep because it feels like they are giving up everything. Substitution, in contrast, keeps the basics while cutting down the costs.

Find New Sources of Income

Why isn’t this the first step? If you simply increase your income without a budget to handle the extra cash properly, the gains tend to slip through the cracks and vanish. Once you have your budget in place and have more money coming in than going out (along with the buffer of an emergency fund), you can start investing to create more income.

It is better to have no debt before you begin investing. If you are young, however, the rewards of investing in higher-risk, high-return vehicles like stocks can outweigh most low-interest debt over time.

Sticking to a Budget

Now you understand the finer points of budgeting. You’ve accomplished all of the above, even put together a nice spreadsheet that lays out your budget for the next 15 years. The only problem is that sticking to that budget isn’t as easy you thought. That credit card still calls your name, and your “clothes” category seems awfully small and you feel deprived. Budgets, you decide, are no fun.

Ways To Budget When You’re Broke

Budgeting strategies sound fine, but if you’re in dire straits financially or suffering from mounting bills and a lack of funds, there are some other possible steps to take.

1. Avoid Immediate Disaster

Don’t be afraid to request bill extensions or payment plans from creditors. Skipping or delaying payments only worsens your debt—and besides, late fees ding your credit score.

2. Pioritize Bills

Go over all your bills to see what must be paid first and then set up a payment schedule based on your paydays. You will want to leave yourself some catch-up time if some of your bills are already late.

If this is the case, call the bill companies to see how much you can pay now to get back on track toward positive status. Tell them you are taking strict measures to catch up. Be honest about the amount you can afford to pay; don’t just promise to pay the full amount later.

3. Review Spending

To fix your finances, you need to get a handle on your outlay first. Online banking and online budgeting software can help you categorize spending so you can make adjustments. Many people find that just by looking at aggregate figures for discretionary expenses, they are spurred to change their patterns and reduce excessive spending.

4. Eliminate Unnecessary Expenses

Once you’ve got a sense of where the money goes, it’s time to tighten up. All cutbacks should start with items you wouldn’t miss or habits you should change anyway—like reducing your fresh food purchases if you find ingredients spoiling before you can eat them. Or preparing meals at home more instead of going to restaurants or getting takeout.

Some expenses you shouldn’t drop but might be able to adjust could include reducing your auto insurance rate by switching carriers.

5. Negotiate Credit Card Interest Rates

There are other proactive ways to reduce expenses. Those killer interest rates on your credit cards aren’t fixed in stone, for example. Call the card company and ask for a reduction in the annual percentage rates (APR); if you have a good record, your request might be approved. This won’t lower your outstanding balance, but it will keep it from mushrooming as fast.

6. Keep a Budget Journal

Once you’ve gone through these steps, monitor your progress for a few months. You can do this by writing everything you spend in a notebook, via budgeting apps on your phone, or with that software you used in step 4 to review your spending.

How you track your money isn’t as important as how much you are tracking. Focus on ensuring that every cent is accounted for by dividing your expenses into categories. Fine-tune and adjust the spending as needed after each month.

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By Denzy

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