Personal budget

A personal budget is a finance plan that allocates future personal income towards expenses, savings and debt repayment. Past spending and personal debt are considered when creating a personal budget. There are several methods and tools available for creating, using and adjusting a personal budget. For example, jobs are an income source, while bills and rent payments are expenses.

Sample budget

A budget allocates or distributes expected income to expected expenses and intended savings. The following sample illustrates how income might be allocated.

Average annual expenses (2014) per household in the United States are:

Tools

A variety of tools are helpful for constructing a personal budget. Regardless of the tool used, a budget's usefulness relies on the accuracy and currency of the data. Computer generated budgets have become commonly used as they replace the need to rewrite and recalculate the budget every time there is a change.

A simple budget can be written on a piece of a paper with a pencil and, optionally, a calculator. Such budgets can be organized in ring binders or a file cabinet. Simpler still are pre-formatted budgeting books or bookkeeping forms in which a budget can be created by filling in the blanks.

Bravia (brand)

BRAVIA is a brand of Sony Visual Products Inc., a wholly owned subsidiary of Sony Corporation, and used for its television products. Its backronym is "Best Resolution Audio Visual Integrated Architecture". All Sony high-definition flat-panel LCD televisions in North America have carried the logo for BRAVIA since 2005. BRAVIA replaces the "LCD WEGA" which Sony used for their LCD TVs until Summer 2005 (early promotional photos exist of the first BRAVIA TVs still bearing the WEGA moniker). Bravia televisions and their components are manufactured in Sony's plants in Japan, Mexico, and Slovakia for their respective regions and are also assembled from imported parts in Brazil, Spain, China, Malaysia and Ecuador. Principal design work for BRAVIA products is performed at Sony's research facilities in Japan, at the research and development department at the Sony de Mexico facility in Baja California, Mexico and at the Sony Europe facility in Nitra, Slovakia.

The brand is also used on mobile phones in North American, Japanese and European markets.

Gypsy jazz

Gypsy jazz (also known as gypsy swing or hot club jazz) is a style of jazz music often said to have been started by guitarist Jean "Django" Reinhardt in the 1930s. Because its origins are largely in France it is often called by the French name, "jazz manouche", or alternatively, "manouche jazz", even in English language sources. The term is now commonly used for this style of music.

Django was foremost among a group of Romani guitarists working in and around Paris in the 1930s through the 1950s, a group which also included the brothers Baro, Sarane, and Matelo Ferret and Reinhardt's brother Joseph "Nin-Nin" Reinhardt.

Many of the musicians in this style worked in Paris in various popular Musette ensembles. The Musette style waltz remains an important component in the gypsy jazz repertoire. Reinhardt was noted for combining a dark, chromatic gypsy flavor with the swing articulation of the period. This combination is critical to this style of jazz. In addition to this, his approach continues to form the basis for contemporary gypsy jazz guitar. Reinhardt's most famous group, the Quintette du Hot Club de France, also brought fame to jazz violinist Stéphane Grappelli.

Dave Ramsey

David L. "Dave" Ramsey III (born September 3, 1960) is an American financial author, radio host, television personality, and motivational speaker. His show and writings strongly focus on encouraging people to get out of debt.

Ramsey's syndicated radio program, The Dave Ramsey Show, is heard on more than 500 radio stations throughout the United States and Canada, in podcast format, on IHeartRadio, a dedicated iOS application, as well as live audio and video on DaveRamsey.com. He has written numerous books including five New York Times bestsellers. His books and broadcasts often feature a Christian perspective that reflects Ramsey's religious beliefs. Ramsey was named the 2009 Marconi Award winner for Network/Syndicated Personality of the Year.

Ramsey's company, The Lampo Group, Inc., headquartered in Brentwood, Tennessee, oversees six divisions geared toward financial education.

Ramsey has been featured on many media outlets including The Oprah Winfrey Show, 60 Minutes, and The Early Show on CBS. He recorded a pilot and six unaired episodes of The Dave Ramsey Project for CBS. He was the host of the television program The Dave Ramsey Show, which aired on the Fox Business Network until June 2010.

Budget

A budget is a quantitative expression of a plan for a defined period of time. It may include planned sales volumes and revenues, resource quantities, costs and expenses, assets, liabilities and cash flows. It expresses strategic plans of business units, organizations, activities or events in measurable terms. International Budget Partnership regularly monitors global budget information for the civil society.

Etymology

A budget (derived from old French word bougette, purse) is a quantified financial plan for a forthcoming accounting period.

A budget is an important concept in microeconomics, which uses a budget line to illustrate the trade-offs between two or more goods. In other terms, a budget is an organizational plan stated in monetary terms.

Purpose

Budget helps to aid the planning of actual operations by forcing managers to consider how the conditions might change and what steps should be taken now and by encouraging managers to consider problems before they arise. It also helps co-ordinate the activities of the organization by compelling managers to examine relationships between their own operation and those of other departments. Other essentials of budget include: