How to Create a Budget

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When I went away to college, my parents told me to “make a budget”.  When I graduated from college, my parents told me to “make a budget.  When I was planning my wedding, my parents told me to “make a budget.”  When we were looking to buy our first home, my parents told me to… you guessed it, “make a budget.”

By this time in my life I should probably be an expert on budgeting, but I am not.  Like most people, I occasionally fail to see the big picture and give in to impulse buys or spend too much money on a pair of jeans, or eat out too many times per week.  But, that does not mean I should throw in the towel and just spend money all “willy nilly”.

Occasionally I hear my father’s voice reminding me to “tighten the purse strings” and that “money doesn’t grow on trees”.   This is my conscience reminding me to sit down to redo our loathsome, yet necessary household budget.  I am after all, a reasonably responsible adult with a child who will be going away to college in less than 8 years.

There are many factors that play a role when creating a budget from scratch, especially if it is your first time.  The task may seem overwhelming, but there are a few very basic tips to follow.

  1. List all “fixed” expenses.  These are expenses that do not change month to month.  These may include rent/ mortgage, car payment, insurances, utilities, loans, credit card bills etc.
  2. List all “variable” expenses.  These offer some flexibility such as groceries, entertainment, travel, eating out and general “fun money”.
  3. Know all sources of monthly income.
  4. Do the math… subtract fixed expenses from income.  Then factor in variable expenses.
  5. Don’t forget to factor in all of your savings/ retirement plans!

That’s it!  You now have a very basic household budget to work off of.  Once you have a budget created, whether you choose to use any of the many software options available, or if you prefer to create your own spreadsheet, keep it handy.  Look at it often.  Remember to reevaluate and adjust your budget over time as things in your life change and evolve, as they will naturally.

Remind yourself of your long-term goals.  This will help strengthen your will power and make it easier to walk away from those $100 jeans or that $6.00 cup of coffee. Personally, I hope to be able to retire and live comfortably when the time comes.  I want to be able to travel some and spend plenty of time on some beach.  That dream, along with my parents voices saying “make a budget” help keep me on track.

To help keep your budget on track, visit FiltersFast.com for all of your water and air filtration needs.

A Look at the Brita Bella Water Pitchers: Brita Water Pitcher Filters

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There is no shortage of water pitcher filters to choose with Brita. After all, you probably have at least considered buying a Brita water pitcher in the past. Out of the many great water pitchers to choose from, the Brita Bella Water Pitcher Filter is unique in that its space-saving design will take up considerably less space than some of its competitors. While that is a popular feature all by itself, there’s one more feature that you many find very useful.

This Brita water pitcher comes with a built in filter change indicator to alert you when to replace your filter. Keeping track of how often and when you should change your filter can be more work than it needs to be. The filter life for the Bella is 40 gallons (about 2 months) but it could last shorter or longer (depending on varying issues, such as water quality). That’s where the convenience of this filter indicator really shines. Once it is ready to be replaced, you’ll be alerted and can then place your order for the replacement. In addition to reducing odor, bad taste, and more, the soft grip handle tops it all off by making for a comfortable grip.

FiltersFast.com makes it easy for you to own this Brita water pitcher by offering the most competitive price on the internet. Place your order and have it delivered straight to your door and use our Auto Delivery program to have its replacement filter sent directly to your home at an additional 5% off.

If you’re looking for filtered water on hand at all times, but don’t want the hassle of having to remember when to change your filter, then the Brita Bella Water Pitcher Filter is for you.

Collapsible & Reusable Water Bottles – Vapur Review

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Fold them, roll them, take them on the go! That’s what the unique Vapur Reusable Water Bottles allow you to do. Recently, I purchased the Vapur Element (Water) and I love it. It makes drinking the recommended amount of water (6-8 glasses) a lot easier. Are you thinking about buying a Vapur Element or one of their other lines of reusable water bottles? You’re in luck, because this is the review for you.

What makes it stand out?

The distinctive feature of the Vapur Water Bottle (as alluded to earlier) is that it is collapsible. This feature puts it ahead of its competition as you can take it anywhere and fit it in even the smallest of spaces. The loop on the cap is another distinctive feature as well. This allows it to easily be carried wherever you go. It is also BPA free (unlike plastic bottled water) and is dishwasher safe (again, unlike plastic bottled water).

Who are they for?

Some water bottles are geared towards a specific crowd, but Vapur can be used in a variety of ways. You’ll notice that many are sprouted for its outdoor use (which is true), I found myself using it for more than just the outdoors as I regularly used it for lunch, dinner, etc. I guess you can say I became addicted to it.

Pricing?

The purchase will pay for itself simply by avoiding the cost of bottled water from the store. However, the Vapur water bottles are still well priced. The Vapur Element is priced at $7.99 and the other series that Vapur offers (Reflex, Island, Runway, Quencher for Kids) are priced as low as $5.99.

Where Do I buy it from?

Glad you asked. FiltersFast.com carries all of the above series and the Vapur Anti-Bottles as well. After placing your order, we’ll have it delivered directly to your door all at the internet’s lowest prices.

Personally, I love having the Vapur Element and would recommend any of the Vapur water bottles to anyone. If you’re looking to cut back on the plastic waste from bottled water, then this is obviously a great choice. Seriously, what more could you want in a water bottle? Its reusable, affordable, environmentally safe, and offers features that many water bottles do not offer. Buy a Vapur water bottle. You’ll be glad you did.