How to Choose the Right Budget System - NerdWallet

Budget option. Budget Options | Congressional Budget Office

It guides you through making an intentional, forward-thinking plan for your spending. Plus, its goal tracking and reporting features help you monitor your progress. Despite these drawbacks, it's the best budgeting software for taking control of your money because it gives you the necessary tools to create a value-driven spending plan.

Budget Plan Help balance your natural gas bills with our FREE Budget Plan by spreading your estimated annual natural gas costs evenly over 12 monthly budget option.

Each month you'll know the exact amount of your monthly payment.

Still not sure which budget system is best for you?? Budgeting systems are designed to help you understand and evaluate your relationship with money. While all share a common goal, they often use distinct tactics to get you there.

You will automatically be enrolled with that bill. Any past due balances must be paid in full before you can enroll.

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Calculating your budget - We will estimate your natural gas usage by averaging the usage at your address from last year. We then divide your calculated annual cost into 12 equal monthly payments.

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Budgets end in July - Our budget period is from August to July. At the end of the budget period, we calculate your total usage and compare it to the total amount of budget payments made to date. We then either credit your account or bill you for the balance due.

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Your budget is then re-calculated and automatically renews for the next budget plan year. You can enroll in the Budget Plan at any time. However, if you do so in the middle of the budget period, you will not have made 12 months of payments.

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To compensate for that missed time, your budget option may increase in November, December and January to ensure that when you join, the forecasted payments reflect your energy use. Mid-Year Budget Review - A budget review may occur in Budget option or February due to changes in natural gas prices, as well as changes in usage and weather patterns during the winter months.

The new budget amount will approximate the amounts needed each month to cover your natural gas costs for the remainder of the budget period.

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If you miss payments - To remain on the Budget Plan, you must pay your budget amount and other non-gas charges by the due date every month. If you budget option more than two consecutive payments, you will automatically be taken off the Budget Plan. In order to go back on the Budget Plan the total amount of your actual balance must be paid in full.

Once your account is current, you can again pay the "Budget Option" amount with the following budget option by the due date indicated and rejoin the Budget Plan.

Paying more or less than the budget amount - The budget billing option only anticipates receiving exact budget payments along with any other non-gas charges.

In fact, there are many different types of budgeting styles and the best one for you boils down to your money management skills and preferences, as well as your finance goals. This money management tool breaks down your monthly spending into three categories: Necessities: Should make up 50 percent of your take-home pay. Wants: Should make up 30 percent of your take-home pay. Savings and debt repayment: Should make up 20 percent of your take-home pay.

Paying more or less than the exact budget payment amount creates incorrect budget information. If you have paid a different amount, please contact our office so a correction can be made to your budget records.

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