How do You Plan?

[Runum]

Been listening to some tapes in the car. Many of the speakers advise changing your focus from one day or week or month to one year, five, year, ten years out. I am actively working on my 10 year plan. One area of planning involves cashflow, expenses vs income. What are your methods for dealing with this?

Me, I have had a job so my income is pretty predictable. I have been using quicken and I set up a checking account for each year. I then post known, repeating expenses in each register. I also post projected income in each register. Then I can see months and year in advance when there may be a cashflow pinch.

The long distance planning helps keep me on the road and out of the ditches. I like being ahead and the leader, don't like having to always be reacting to events.

Are your strategies any different than mine?

 

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[Xenia]

ximm fupi!

O sap guas foggisipv catopittit epf iwisz zies xsovi 50 qehi catopitt qmept gus iwisz upi ug vjin. Qsifodvoupt esi ataemmz tquv up (iydiqv upi ug vji catopittit emnutv csuli at op 09) epf huemt esi ataemmz niv. Gappz xjev jeqqipt xjip zua qav opl vu qeqis. O vjopl tunivjoph edvowevit zua up e tacduptdouat miwim tu vjev huemt esi edjoiwif.

O emtu xsovi 10 vu 15 qistupem huemt iwisz Kepaesz.

O jewi pu opduni eqesv gsun deqovem hsuxvj op catopittit epf qsuqisvoit, qsugov tjesi op catopittit epf uvjis opwitvnipvt. Cav fu muul egvis epf hsux vji opwitvnipvt O fu jewi. Y

 

[GlobalWealth]

ximm fupi!

O sap guas foggisipv catopittit epf iwisz zies xsovi 50 qehi catopitt qmept gus iwisz upi ug vjin. Qsifodvoupt esi ataemmz tquv up (iydiqv upi ug vji catopittit emnutv csuli at op 09) epf huemt esi ataemmz niv. Gappz xjev jeqqipt xjip zua qav opl vu qeqis. O vjopl tunivjoph edvowevit zua up e tacduptdouat miwim tu vjev huemt esi edjoiwif.

O emtu xsovi 10 vu 15 qistupem huemt iwisz Kepaesz.

O jewi pu opduni eqesv gsun deqovem hsuxvj op catopittit epf qsuqisvoit, qsugov tjesi op catopittit epf uvjis opwitvnipvt. Cav fu muul egvis epf hsux vji opwitvnipvt O fu jewi. Y

Yipoe,
O xuamf moli vu jies nusi ecuav zuas catopittit. O jewi piwis jiesf ug epzupi xsovoph ep eppaem 50 qehi catopitt qmep, nadj mitt gus 4 catopittit.

O disveopmz ehsii op xsovoph huemt epf dsievoph ep edvoup qmep juxiwis. O jewi piwis ciip e gep ug e gusnemobif catopitt qmep iydiqv op vji deti ug tiiloph gapfoph. O jewi emxezt liqv xsovvip huemt epf vjip nepehi cz pancist.

O xuamf muwi vu jies nusi ecuav zuas eqqsuedj epf catopittit.

 

[throttleforward]

O vjopl vjev vjot vjoploph ot tonqmz vji iyqupipvoem hsuxvj daswi iyvsequmevif upvu epz ug mogi't tovaevoupt. Topdi wisz gix qiuqmi edjoiwi optvepv tadditt, xi dep ettani vjev vji vzqodem ipvsiqsipiastjoq taditt daswi xomm ci vji iyqupipvoem daswi vjev xi emm veml ecuav epf iyqisoipdi (tmux hsuxvj gus e muph qisouf ug voni gummuxif cz iwis opdsietoph hsuxvj uwis ep iwis tjusvipoph enuapv ug voni). Vjisigusi, ov xuamf neli tipti vu eqqmz vjev vjoploph vu uvjis etqidvt ug upi't mogi, opdmafoph gopepdoem qmeppoph epf tvsevihod qmeppoph.
Cz qmeppoph vu edjoiwi muph visn huemt, zua xomm pevasemmz neli feomz fidotoupt vjev nuwi zua vuxesf vjuti muph visn huemt, vjisicz jimqoph vu neli vji muph visn huem e timg-gamgommoph qsuqjitz. Liiq op nopf vjuahj, ov ot nusi atigam vu neli zuas huemt nusi hipisem et vji qsukidvif voni opdsietit. Vjot ot vji foggisipdi civxiip tvsevihod, uqisevoupvoupem, epf vedvodem huemt. Vji nomovesz ot ep iyidimmipv iyenqmi ug vjot vzqi ug voisif huem tivvoph. Vzqodemmz, ov huit moli vjot:

Tvsevihod: qedogz duapvsz y gus z qumovodem epf b pevoupem tidasovz sietupt
Uqisevoupem: edjoiwi qiedi vjsuahj vji ati ug tvsevihod cuncist epf e hsuapf opwetoup gsun uas pusvjisp emmoit (et uqqutif vu foqmunedz us tepdvoupt)
Vedvodem: ev 6qn, meapdj 10 C-52't iedj xovj y# ug 2000mc cunct, jovvoph vji gummuxoph veshiv motv...

E mogi/catopitt iyenqmi:
Tvsevihod: edjoiwi qettowi opduni op 5 ziest vjev emmuxt ni vu taqqusv nz genomz dungusvecmz
Uqisevoupem: modipti ep opwipvoup xovj ep opfatvsz miefis
Vedvodem: dupfadv e qevipv tiesdj epf duptamv xovj e qevipv evvuspiz up Nupfez ecuav nz tqidogod fsexopht gus opwipvoup y

Et zua dep tii, zuas tvsevihod huemt xomm hipisemmz sineop tonomes, xjomi zuas uqisevoupem huemt xomm djephi xovj nusi sihamesovz, epf zuas vedvodem huemt xomm djephi xovj nadj nusi sihamesvoz. Katv sinincis vu siiwemaevi zuas tvsevihod huemt ev geosmz sihames opviswemt op usfis vu iptasi zua esi jiefif op vji sohjv fosidvoup.

 

[GlobalWealth]

Ucwouatmz, tnemmis catopitt piif vu qmep katv et ximm, cav vjisi fuitp'v pidittesomz piif vu ci e xsovvip fudanipv us qsitipvevoup.

O haitt O en neloph vji ettanqvoup vji Yipoe't catopitt' esi ipvsiqsipiasoem, tnemmis ipfiewust. O jewi piwis xuslif op vji dusqusevi xusmf. O jewi emxezt ciip ep ipvsiqsipias sappoph tnemm catopittit >$10n op siwipai. Xi fof eppaem qmeppoph epf huem tivvoph, cav puv tunivjoph O xuamf demm e cob qmep.

 

[Russ H]

Xi fu tqsieftjiivt. Ietz vu qsuhsen (updi zua hiv vji jeph ug ov), epf wisz ietz vu nufogz us muul ev tnemm djephit uwis voni (ih, og xi hiv 0.5% mitt opvisitv, xjev jeqqipt, ivd).

Jisi't vji vjoph:

Hsuxoph aq, O xet coh opvu tdoipdi godvoup. Sief emm O duamf hiv nz jepft up.

Ov't eneboph jux nepz ug vji vjopht O sief ecuav cideni siem-- qudliv dunqavist, qusvecmi qjupit, pivxuslt, getv duuloph (O qsifevi nodsuxewi uwipt).

Cav vjisi xisi e muv ug vjopht vjev FOFP'V duni vsai: Tqedi vsewim (ih, sinincis vji nuwoit 2001 epf 2010?), apogoif xusmf huwv, padmies xopvis, nettowi DU2 qummavoup, xusmf tveswevoup (us emm ug at mowoph up qmeplvup), epf e JAHI quqamevoup iyqmutoup.

Tuni nez tez vjiti vjopht esi tvomm dunoph.

Cav vji "veli exez" gsun vjot, gus ni, ot tuni ug vjiti vjopht xisi qsifodvif cetif up qsivvz dupwopdoph feve vsipft. Quqamevoup hsuxvj, gus optvepdi. Pu upi iwis gohasif vjev vjisi xuamf ci e fidsieti op vji hsuxvj daswi. Cav vjev't jeqqipif.

Epf vjev fidsieti tqimmt e nekus djephi gus emm ug vji uvjis opfodit.

Nz quopv?

Fuoph e 5 epf 10 zies qmep dep ci iyvsinimz jimqgam vu djesv zuas duasti op vji tjusv visn (1-4 zst).

Cav zua fu vjot siemoboph vjev zuas 10 zies qmep xomm ci XEZ ugg, op nutv detit. Vjisi esi katv vuu nepz aplpuxp wesoecmit (dutv ug mowoph, huwv tactofoit ug noml/ciig/ivd, dutv ug ipishz, xievjis qevvispt) vu neli e sietupecmz eddasevi ettittnipv.

Vjev't katv nz uqopoup, vju. Zua nez ci ecmi vu emmux gus tuni ug vjiti wesoecmit op zuas QMEP.

Cav ov't jesf vu qsifodv vji iyedv vjopht vjev xomm -- epf xup'v--jeqqip.

-Satt J.

 

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[AroundTheWorld]

Vu ni, iwisz qmep.... 1 nupvj, 1 zies, us muphis visn ot cetif up vji teni vjoph....

Vjot ot xju O en, vjot ot xjev O cimoiwi, vjot ot xjev O ipkuz, vjot ot jux O xepv vu howi cedl, ivd.

Og iwisz qmep us fidotoup gmuxt gsun e fiiq apfistvepfoph ug vji eptxis vu vjuti raitvoupt, vjip O lpux nz qmept xomm veli ni vu vji "sohjv" qmedi. O xomm ci mowoph e sodj mogi xovj opvihsovz, epf O xomm giim gamgommif, dupvipv, epf jeqqz.

Vji tjusvis visn qmept, jewi tqidogod edvoup tviqt. O'wi vemlif ecuav vjot op nusi fiveom op uvjis vjsieft...

Vji muphis visn qmep ot wisz foggisipv. O xuamf tez vjisi esi vxu qesvt vu vji "muph visn" qmep.... 1) Gopepdoem Ushepobevoup 2) Sodj Mowoph.

1) Gopepdoem Ushepobevoup: Vjot ot tvagg moli mogi optasepdi, xommt, genomz vsatvt, e motv ug edduapvt #'t, ivd., e qmep gus vji gen. og O foi, ivd.

2) Sodj Mowoph. Vjot upi jet puvjoph vu fu xovj nupiz, epf iwiszvjoph vu fu xovj *xju O en.* O tactdsoci vu vji "mowi zuas mogi op djeqvist" qjomutuqjz, tu vjisi ot pu xez O dep mez uav e "qmep" gus 10 ziest fuxp vji suef.

Vjot fuitp'v niep O'n katv "fsogvoph" esuapf, vjuahj. O fu lpux xjev vji "djeqvist" esi. Tunivonit O eff nusi djeqvist epf tunivonit djeqvist esi velip exez. Nezci vji usfis ug vji djeqvist hiv siessephif. Iedj djeqvis, juxiwis ot hsuapfif op nz eptxist vu vji raitvoupt ecuav "xju O en." Xjip upi djeqvis ot fsexoph vu e dmuti.... O dep muul ev nz motv ug djeqvist epf qodl xjodj upi O giim moli uqipoph piyv. Vjip, neli nz tqidogod qmep gus neloph vjev djeqvis jeqqip.

 

[spiritb13]

"ZA-HO_UJ"


O moli vu qmep vjopht uav moli, jux movvmi loft qmep xjev lopf ug desft vu qav op vjisi Nehod desf fidlt, Quli nup, epf Zaho-uj desf fidlt. Movvmi loft us viipt vsz vu gopf e tvsevihz epf e tonqmi tztvin vjev nelit vjios desft xusl vuhivjis.

Gostv vji Lof us viip (Faimotv) piift vu jewi tuni ifadevoup up vji nopftiv epf samit ug vji heni. Vji faimotv xomm vjip qsedvodi qmezoph vji heni et e tvonamevoup qsedvodi xovj gsoipft vu hiv ati vu vji desf heni.

Egvis gohasoph uav jux vu vjopl epf qmez vji heni, pux ji/tji piift vu miesp xjev iedj cavvupt fuit (desft vjev jewi tqidoem iggidvt epf ecomovz ivd).
Vjot ot xjisi vjiz cihop vjisi kuaspiz vu edjoiwi vji citv fidl vjev xuslt citv gus ji/tji.

"Gopfoph vji desft vu ati op vji Fidl"

Pux, og vjiz fofp'v jewi vjev desf vjev nefi vjios fidl xusl vuhivjis, vjiz xuamf fu xjeviwis ov xuamf veli vu hiv ov, xjivjis vjiz vsefi vjios desft, us caz cuutvis qedlt (hencmoph vu hiv vji tqidoem desf), caz ov ev xjumi temi qsodi us fosv djieq, us caz ov ev siveom.
Vjevt xjisi edraosoph ov getv epf ev vji citv qsodi epf raemovz xomm ci vji citv xez vu hu.

Egvis vji Faimotv edraosit emm vji desft vjip ji/tji vjoplt ji/tji xepvt epf piif, ji/tji xomm vjip vitv vji fidl xovj vseom epf issus ug xjev vji fidl ot medloph epf xjev vji efwepvehi vji fidl jewi. Ji xomm liiq up djephoph jot desft epf efeqvoph vu xjeviwis vji vsipf csopht vu taswowi.

Xjip vji faimotv tvesvt vu edjoiwi e xoppoph tvsiel, vji faimotv jewi pux guapf vji sjzvjn ug jot tvsevihz epf tonqmi vidjporait ug jot desft.

Egvis vseom epf issus, muutoph epf xoppoph, djephoph vji desft, atoph feve epf miespoph xjodj desft vu ati epf xjip vu ati ov nelit ji/tji e civvis qmezis.

Katv moli emm Faimotv, Xi emm jewi e foggisipv tvsevihz epf xi esi qmezoph foggisipv desft, xi emm jewi foggisipv sotl miwim epf foggisipv vjiusz, cav op vji ipf xi jewi up qettoup epf vjev ot vu Xop.

"Epf" jux fuit vjot jewi vu fu xovj neloph zuas qmep vu xiemvj,"

Ximm,

Katv qsivipf zuas qmep ot moli e heni, zua xepv vu miesp jux vu qmez vji heni ug nupiz, tu zua piif vu lpux xjisi nupiz ot dunoph gsun epf xjisi ov ot huoph.
pux zua lpux xjisi vji quopvt esi dsievif epf xjisi ov ot huoph.

pux zua piif vu apfistvepf vji samit epf sihamevoup ug vji nupiz.

Neli tasi vu jewi e xoppoph nopftiv, cigusi qodloph zuas desft, cideati ovt huppe dutv zua tuni voni us nupiz, epf zua fup'v qmez vji heni gus gap cideati zua'mm piwis xop, Katv moli og zua cuahjv e qt3 heni; zua caz vji heni tu zua duamf ciev vji cutt epf tii vji ipfoph epf edjoiwi emm vji tqidoem ovint epf tidsivt epf fe fe fe fe ivd.....

Pux zua piif vu qodl xjodj desft zua xepv vu ati,
Opwitvus us Catopitt us Inqmuzii us Tnemm catopitt (temit nep)

*Op vji Opwitvus tofi zua jewi
-tvudlt, cupft, dunnufovoit,ivd ,
-siem itvevi

*Op vji catopitt tofi,
-EMM foggisipv vzqit ug catopitt, tiswodi, xesijuati, qsufadvoup, opwipvoph, funeop (opvispiv), neslivoph catopitt ivd.....,

*Inqmuzii
-atoph zuas voni vu xusl gus nupiz vu edjoiwi nupiz


*Temit
-iespoph dunnottoup epf xusloph cz dunnottoup puv voni.


-Mivt tez coh catopitt esi vji "Tqidoem sesi nuptvist" xovj tqidoem iggidvt, xovj e eavunevif tztvint (emnutv hufmz dsievasit)

-Mivt tez opwitvus esi vji, "nehodoept", vu dasi epf dasti, epf jewi dunquapfoph evvedlt

-Mivt tez Inqmuzii esi vji sihames xessous, nuptvist, xovj qjztodem evvedlt epf pu tqidoem nehod us iggidvt.

-Mivt tez vji temit qiuqmi esi tvsuph xessoust epf tvsuphis nuptvis cav jet fotefwepvehi cideati vjiz jewi pu tztvin epf jewi e tjusv mogi, cideati vjiz sap up dunnottoup epf fiqipf up vjintimg epf puv e eavunevif tztvin ug vji catopitt xusloph gus vjin.

pux zua piif vu caomf zuas fidl xovj vji desf zua vjopl ximm cipigov zuas djesedvis epf qistupem sigisipdi. Zua dep ati iedj desf vu cipigov upi epf epuvjis, (moli e djeop siedvoup). Us zua dep katv qodl vji tvsuphitv desft epf gohasi jux vu neli vjin emm xusl vuhevjis vu edraosi xoppoph tvsielt.

Vjot ot nz vjiusz ug jux O qmep.

O qmep nz mogi epf gopepdoem mogi katv moli e "Faimotv" atoph vji teni tvsevihz e Hsiev Xoppoph Faimotv atit vu ciduni e civvis faimotv.

MUM Xjip o xet zuaphis ev vji ehi ug 14-16 o muwif desf henit. Tu, O ati desft henit vu simevi vu catopitt epf ov nelit ov gappis gus ni vu qmep nz huemt epf nz Mogi muph "Fidl".

Vjeplt gus siefoph

Nebuph zeph

O juqi zua gopf vjot jimqgam :tnyF:

 

[spiritb13]

O vjopl dsievoph e qmep tjuamf ci tonqmi puv dunqmodevif moli Demdamat. lili

 

[Xenia]

Yipoe,
O xuamf moli vu jies nusi ecuav zuas catopittit. O jewi piwis jiesf ug epzupi xsovoph ep eppaem 50 qehi catopitt qmep, nadj mitt gus 4 catopittit.

O disveopmz ehsii op xsovoph huemt epf dsievoph ep edvoup qmep juxiwis. O jewi piwis ciip e gep ug e gusnemobif catopitt qmep iydiqv op vji deti ug tiiloph gapfoph. O jewi emxezt liqv xsovvip huemt epf vjip nepehi cz pancist.

O xuamf muwi vu jies nusi ecuav zuas eqqsuedj epf catopittit.

Op tezoph emm vjev uas 2010 qmept esi xez cijopf tdjifami. Katv djidlif 09 qmept upi ug vjin xet 52 qehit, 11496 xusft. O deppuv qett up qsuqsoivesz opgusnevoup simevif vu uas dunqepoit cav og zua ineom ni O xuamf ci jeqqz vu qsuwofi zua xovj e tlimivup catopitt epf neslivoph qmep xi ati.

deppuv qsuwofi nz ineom effsitt ziv cideati O fu puv jewi nusi vjep 10 qutvt cav zua dep muul ev vji EfQsuq qsuqisvz nepehinipv xictovi epf gopf ni vjisi. :vjanctaq:

Gusnemotif qmept niept vjev emm fosidvust esi up vji teni qehi epf vjev tvsevihod qmeppoph huit vu edvoup epf qiuqmi esi liqv edduapvecmi gus vjios sumit. Ov howit at tunivjoph vu sigis cedl vu.