Social Capital

Meet Joel Joel is the proud author of Formans Financial Facts, a financial management blueprint. His mission is to educate people so that they can manage their personal finances with confidence for life. Over the past 30 years, Joel has worked in corporate America and a variety of financial roles. He started in traditional financial roles in the financial services and baking industries. About 16 years ago, he successfully moved into the consulting world.  Why is it so important to have a personal budget? Well, a personal budget to me, is really the foundation for anyone's financial management and money management needs. By building a personal budget, you're going to understand where you're spending your money, what you're spending it on, and you're going to make sure that you're bringing home enough money on a monthly basis to not only cover those fixed and variable expenses but to also have money left over to what I like to call pay yourself for savings and investment opportunities. If you don't have a go