Use our FREE Monthly Budget App to Get your Finances in Order

If you want access to our FREE online budgeting app, simply email me at and we’ll get you set up.

                Click here if you’d like to watch an overview video of how the app works!

Let’s face it—doing a monthly financial budget can be a pain in the neck. It’s so much of a pain that most people don’t have one.

Who cares? Well, I think everyone should care.

Why should everyone have a monthly budget? Because a monthly budget can help people reach their financial goals much quicker than by not using one.

Budgets should be used to deal with two key issues:

1) Wasteful spending—without a budget it’s nearly impossible to determine and identify wasteful spending. People may think they spend X amount of money on Starbuck or other “want” items, but until you sit down and do a monthly budget, you really don’t know.

When you see in black and white how much you are spending on items you don’t really need and how that can affect your ability to save and your ultimate retirement nest egg, you may be sick to your stomach (which is good because then you can choose to adjust your spending habits.

2) Savings—a well-done budget will show you how much you can afford to save each month. As stated, this is vitally important when mapping out your retirement plan. It’s too obvious to say that the more you save and the earlier you save the easier it will be to reach your retirement goals.

With a monthly budget that is updated, you should be able to adjust your spending habits and start saving more for retirement.

Online Budget App

Our online budget app is super easy to use. But what’s really great about it is that you can log in online and update it at any time (meaning when you find 5 minutes here or there you can get online and build/update the budget).

First, you’ll have to build what you think is your monthly budget. This can be done by gathering your bills together and sitting at the computer for 20-30 minutes.  It’s much easier when you use a credit card because then you can just go over your credit card statement and input the data.

Second, after you create your first budget, you can then retrospectively update the numbers each month.  In other words, your first 12-month budget will be an educated guess going forward 11 months.  Each month you can take your actual expenses and update the numbers. Then after 12 months, you’ll have a truly accurate budget that reflects how you spend and save money.

Bill Kearney
Integrated Financial Concepts, LLC

132 Joe Knox Avenue, Ste 100F
Mooresville, NC 28117
(704) 464-2426

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