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An example “Budget Book” with a multi-year income, expense, and savings structure illustrates basic budgeting, ending with guidance to pick a winner and join future DAWN events.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/presentations/","Presentations",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/budgeting-eyes-wide-open-webinar/242801/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/budgeting-eyes-wide-open-webinar/242801.png","ImageObject",442,249,{"name":42,"@type":43},"Mary Man","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-15","2026-09-12",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",13,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"Why do some people avoid making a budget?","Question",{"text":63,"@type":64},"Common reasons include feeling it is too depressing to document, lacking tools to create one, never being told to budget, or believing none of the typical reasons apply.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"What are the key benefits of paper budgeting compared to app budgeting?",{"text":68,"@type":64},"Paper budgeting offers an immediate visual reminder, is inexpensive, and can be actively used. It is also intuitive and easy to update or change, while apps are noted as potentially losing availability or relying on ads.",{"name":70,"@type":61,"acceptedAnswer":71},"What does the basic budgeting example include?",{"text":72,"@type":64},"The example outlines income (paycheck, dividends, refunds), expenses split into fixed and variable categories, and savings shown over three years to demonstrate how to plan spending and save.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},242801,1791736908,{"code":4,"msg":82,"data":83},"success",[84,88,93,98,103,108,113,118,123],{"id":85,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":86,"slug":87},11,90,"presentations",{"id":89,"doc_module":22,"doc_module_name":25,"category_name":90,"show_sort_weight":91,"slug":92},12,"Resumes",80,"resumes",{"id":94,"doc_module":22,"doc_module_name":25,"category_name":95,"show_sort_weight":96,"slug":97},14,"Invoices",70,"invoices",{"id":99,"doc_module":22,"doc_module_name":25,"category_name":100,"show_sort_weight":101,"slug":102},15,"Posters",60,"posters",{"id":104,"doc_module":22,"doc_module_name":25,"category_name":105,"show_sort_weight":106,"slug":107},16,"Social Media",50,"social-media",{"id":109,"doc_module":22,"doc_module_name":25,"category_name":110,"show_sort_weight":111,"slug":112},17,"Forms",40,"forms",{"id":114,"doc_module":22,"doc_module_name":25,"category_name":115,"show_sort_weight":116,"slug":117},18,"Letters",30,"letters",{"id":119,"doc_module":22,"doc_module_name":25,"category_name":120,"show_sort_weight":121,"slug":122},21,"Paper Templates",5,"papers-templates",{"id":124,"doc_module":22,"doc_module_name":25,"category_name":125,"show_sort_weight":4,"slug":126},158,"General","general-158",{"code":4,"msg":82,"data":128},{"doc_id":79,"user_id":129,"nickname":42,"user_avatar":130,"doc_module":22,"category_id":85,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":85,"language":136,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":12,"update_tm":140,"read_time":33},7421720224475,"https://ap-avatar.wpscdn.com/davatar_276721f389ce27ea32af1340a28f341c","Budgeting: Eyes Wide Open  \nThis is a safe space.  \nWe want you to feel free to share your stories and pain without judgement. When we laugh, we laugh together at shared misery. Because we all understand just how difficult talking about money can be.  \nDeb Harbaugh, Inactive CPA, Past Treasurer of DAWN  \nWhy not have a  \nbudget? • Psychological: Out of sight/out of mind: if I  \ndon’t see it, it doesn’t exist! It’s just too  \ndepressing to put it on paper!  \n• Physical: I don’t have the tools to create one. No app for me, I need paper, but I need a framework to start!  \n• Unknown: No one ever told me I should have one. I’m doing just fine without one!  \n• Other: None of the above!  \nNo Right or Wrong Answers!  \nLet’s share our results! Any surprises?  \nPaper Budgeting vs App Budgeting?  \nBenefits: Visual reminder, inexpensive ,active  \nExample: The Budget Book  \nDrawbacks: Easy to misplace, lose, destroy  \nBenefits: Intuitive, easy to update/change Example “Spending Tracker” MH Riley LTD Quickbooks – transfer into your tax app  \nDrawbacks: Losing it in cyberspace  \nApps no longer available or ads  \n| Basic Budgeting\u003Cbr>Year 1 Year 2 Year 3 |\n| --- |\n| \u003Cbr>Income |\n| Paycheck, dividends, refunds 50,000 52,000 55,000 |\n| \u003Cbr>Expenses |\n| Fixed 50%(home/living) 25,000 26,000 27,500 |\n| \u003Cbr>Variable 30%(entertainment) 15,000 15,600 16,500 |\n| Savings 20%! 10/10 (short/long) 10,000 10,400 11,000 |\n\nWhat are the Benefits?  \n• Getting in charge of your spending is empowering!  \n• You have a plan and can let go of the worry, get some sleep.  \n• LOVE looking at your bank accounts knowing that you are in charge!  \n• Feel good about where you are today.  \n• Know that you are making the most of what you have   \n| | Let’s Pick a Winner! |\n| --- | --- |\n\nThank  \nyou  \nOn behalf of DAWN, we thank you for attending today’s webinar and hope you will join us for future events.  \nNews & Events-DAWN: Delaware ACE Women's Network  \nDeb Harbaugh  \n[harbaugh@gbc.edu](harbaugh@gbc.edu)  \n[302-225-6211](302-225-6211)","cbCaidyVH5R73Pda","https://ap.wps.com/l/cbCaidyVH5R73Pda","pdf",1219812,"English","# Budgeting: Eyes Wide Open\n## Sharing experiences and no right or wrong answers\n## Why not have a budget?\n## Paper budgeting vs app budgeting\n## Basic budgeting example (Year 1–Year 3)\n## Benefits and let’s pick a winner","[{\"question\":\"Why do some people avoid making a budget?\",\"answer\":\"Common reasons include feeling it is too depressing to document, lacking tools to create one, never being told to budget, or believing none of the typical reasons apply.\"},{\"question\":\"What are the key benefits of paper budgeting compared to app budgeting?\",\"answer\":\"Paper budgeting offers an immediate visual reminder, is inexpensive, and can be actively used. 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