Ryan Johnson
The Many Lives of...
Finances
Finances
Finances are an important and somewhat difficult-to-manage aspect of life. However, when managed well, one can find more joy and freedom through the avoidance of debt and the accumulation of self-sustaining wealth.
My Finances Spreadsheet Template
The following is a budgeting and money-tracking template that I have used to manage my finances for the last couple years. I find it very useful and I hope it helps you, too. However, I might actually recommend creating your own spreadsheet or document that you can fully understand as you take control of your finances.
Links to Blog Posts
New Post Coming Dec. 1st
Saving for Retirement
How to safely invest your money for Retirement using a Roth IRA. What you want to invest in for steady and safe growth.
Categories of Budgeting
Giving (>10%)
- Tithing
- Fast Offering
- Other Donations
Long-Term Saving (20%)
- Investing for Retirement
- Match Employer's Offers
- Roth IRA
SHORT-Term Saving (20%)
- Saving for Vehicles
- Saving for Down Payments
Emergency Fund (-)
- Build up to cover 6 months of expenses.
- (Comes out of Spending)
Spending (50%)
- Rent or Mortgage Payments
- Insurance - Health, Car, etc.
- Phone, Internet, Clothing
- Groceries, Gas, Dates, etc.