NDSU Extension - Sargent County


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“B” is for….

“B” is for….

“B” is for budget.  It’s interesting to watch people’s reaction when they hear that word.

Sometimes their eyes glaze over.  Sometimes they get that “deer in the headlights” look.  Sometimes their eyes roll upward and a sneer comes over their face.  Sometimes they put their hands up in front of them and turn their head to the side as if to say, “Stop right there, don’t say another word because I’m not listening or interested.”

Maybe the deer in the headlights look is because they don’t have any experience with budgeting.  Perhaps the other reactions indicate they’ve had one or more unpleasant or frustrating experiences with budgeting.  

Regardless, budgeting is something that can and does work when your money and your goals are on the line. 

There is more than one way to budget money and other financial resources.  A “regular” budget might not work the best in all situations, especially when money runs out before the month does. In those cases, a cash flow budget can be useful. 

What is a cash flow budget? How does it differ from a “regular” budget?  What advantages does it have over a regular budget? How do you make and use a cash flow budget?  The March 15 online empowerment session of “Your Money Your Goals” will answer those questions.  To participate, register by March 8 online at   https://www.tinyurl.com/21YourMoneyYourGoals.

The empowerment session is free online.  Materials for the session will be mailed to participants who pre-register at least one week prior to the session.  If you need more information please contact me at 701-724-3355 or cindy.klapperich@ndsu.edu.

Photo Source:  https://pixabay.com/vectors/budget-project-financing-finances-153414/ (downloaded 2/9/21)



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