There are three major budgets in life, in order of importance: time, money, and calories.

The world puts these in reverse order. There are more diet books and diets than there are money-management books and strategies. There are time-management books and tools, but there is nothing comparable to Quicken or Microsoft Money in terms of general use by the public.

Yet in terms of lifetime success, time-management comes first, money-management comes second, and calorie-management comes third.

Note: If you are obese, you will find it difficult to get an entry-level job that serves as a career path. You must then master the first two budgets, so that you can start your own business.

Most people are unclear about their long-term goals. So, they are not highly motivated to budget. They tend to procrastinate when it comes to gaol-setting and budgeting.

Budgeting should begin with goal-setting. Setting goals is like investing. Budgeting is like saving. They are inter-related, but budgeting should begin with this question: What do I want to do with whatever I save?

Before you begin to budget your time, your money, and your calories, get clear, specific answers to these three questions:

To be a success, you must first answer these three questions clearly and in a detailed fashion. Then you must adopt a parallel three-part strategy of performance:

There is a very useful page of calculators posted here. They can help you greatly with your budgeting.

The first five entries are permanent. I want every new member to read them. After them, postings are from latest to oldest.

(If you have not subscribed to my free Tip of the Week report, do so today. The subscription box is on this page.)