Type of Budget:
1. Budget Ceiling
This type of budget used for surveillance purposes is called the Budget Ceiling. Articles of this type directly supervise an agency with a way of determining the spending limits through the use regulations / administration, or indirectly by way of limiting earnings agencies on known sources and quantities are limited.
2. A Line-Item Budget
This type classifies expenditures by type, are used to monitor the types of expenditure and also the total
3. Performance and Program Budgets
This type is useful for specifying the activities or programs under which funds are used, and thereby assist in its evaluation. By way of separating expenditures by function (such as health or public safety) or by type of expenditure (such as personnel and equipment) or based on sources of income such as property taxes or user fees (user fees), the administrators and lawmakers can get proper reports on financial transactions, to maintain good efficiency to the inside or outside supervision.

The budget is a systematic plan of work prepared and expressed in monetary units. Normally budgeting based on past experience and appraiser-estimated in the future, then this can be a work guidelines for each section within the company to run its activities.
The main purpose of the budget is for external monitoring, which is to limit the overall resources available to an agency and to prevent expenditures for things or activities that are not justified by law.

Benefits Budget:

According to Marconi and Siegel (1983) in Hehanusa (2003, p.406-407) the benefits of the budget are:
1. The budget is the result of the planning process, it means that the budget represents an agreement negotiated between the dominant participants in an organization on the purpose of activities in the future.
2. The budget is an illustration of the priority allocation of resources because it can act as a blueprint for corporate activity.
3. The budget is an internal communication tool that connects the department (division) is one with a department (division) others in the organization as well as with top management.
4. The budget provides information about the actual activities compared to the standards set.
5. Budget as a tool of control that leads management to determine the organization’s strong and weak, this will be directing the management to determine corrective actions to be taken.
6. Budget to influence and motivate managers and employees to work with a consistent, effective and efficient in conditions of fitness for purpose of corporate goals with employee goals.

The budget is one way to conduct surveillance within the company. Supervision is the efforts taken to sebelurnnya plan that has been achieved. Thus, surveillance is to evaluate the work performance and corrective actions if necessary. Aspects of supervision is to compare the performance with budgeted, whether efficiencies can be found or whether the executive managers have worked well in managing the company. Monitoring purposes it is not to find fault but prevention and  errors. It often happens that the oversight function that is mischaracterized find fault with others or as a means of punishment for a mistake made ??in terms of objective oversight to ensure the achievement of the objectives and plans of the company.
Coordination function requires the alignment of the action work of any individual or section within the company to achieve the goal. Thus it can be said that
coordination necessary to create good planning, which can indicate alignment between one part of the plan with other parts. The budget serves as the planning should be able to adjust the plan are made to various sections within the company, so plan activities that will be in harmony with one another. For that budget can be used as a tool for the coordination of all parts that exist within the company, because all the activities that are interrelated between one part with another part is set up properly.

Understanding the Budget:
Glenn A Welsch defines budget as follows “Profit planning and control may be broadly as de fined as sistematic and formalized approach for accomplishing the planning, coordinating and control responsibility of management”.
From the definition above, the budget associated with the basic functions of management which includes the planning, coordination and supervision. So if the basic functions associated budget management budget should include the planning, directing, organizing and overseeing every unit and organizational areas within a business entity.
According to Gomes (1995, p.87-88), the budget is a document that seeks to reconcile the priorities of the program

with revenue sources are projected. The budget incorporates an announcement from the organization’s activities or purposes for a period of time determined by the information about the funds needed for the event or to achieve that goal.
According to Mulyadi (2001, p.488), the budget is a plan of work that expressed quantitatively measured in monetary units and standard units of measure other menvakup period of one year.
According Supriyono (1990, p.15), budgeting is a financial planning firm that is used as the basis of control (supervision) finance company for the coming period.
The budget is a short-term plans based on long-term action plans that have been defined in the programming process. Where the budget prepared by management for a period of one year, which will bring the company to the specific conditions required by the specified resource.

• As you review your budget and your net worth, you might decide to save more money.
• Save it sometimes seems difficult, but doable if you have a plan. Many people do not have a formal savings plan, and without one, the chances of saving enough money to cum plir the long-term financial goals or achieve financial security are very slim.
• Instead of waiting until you have “extra” money to save, create a savings plan. Having a budget will help generate the money to save.
• Cost to set goals, most people find they can save regularly than you think.

At first, the amount saved is less important than the fact of saving regularly.

• If the amount you decide to save each week or each month is seen as an obligation, as a payment of a debt, the idea of ??”pay yourself first” can become a serious commitment.
• Start with an amount you are sure you can save, to develop a sense of accomplishment rather than frustration.

SAVING TIPS

• Distinguish between wants and needs. The needs are items that are needed to sustain such as shelter, food, clothing, and transportation. Cravings are things that make it stand, or possibly improve our family life. The shoes are a necessity, but new shoes every month is a craving.
• Look savings goals realistic, achievable. Experts suggest that less than 10 percent of their income. It is a good goal, but do not give up if you can not save that much. Establish a savings habit and save consistently is better than saving a big sum just once. Start with an amount you know you can save so consistent.
• Establish a separate savings account using automatic deposit. If you mix your savings with your regular checking account, certainly will draw money from their savings and will never replace them. If possible, have your employer or your spouse’s employer to deduct a fixed amount from your paycheck each pay period and deposit it automatically into your savings account.
• Reduce reliance on debt. Reduce the debt is an effective way to free up more money to save. When you decrease the reliance on debt, will probably start to buy less, and your total debt will start to become smaller.
• Write down your savings goals. This can have a powerful impact on changing their behavior. It makes your goals more real and concrete. Write down your goals for the short, medium and long term, along with the amount of time you have planned to achieve them. Make sure the goals are achievable and realistic, and review them regularly.
• Develop a budget that includes savings. Include monthly savings on your budget. If no budget savings probably will not save. Establish emergency savings as well as short-and long-term.

If you already have identified your financial goals and has established a plan to achieve them , you can set a budget to save money you need. You may think you do not need to do this, but we can all benefit from a budget. Have you ever started the day with $ 20 and at the end of the day, do not know where he spent? If that is the case, you might want to develop a budget.

A budget is a tool to help you understand how you spend your money.
If you own a business, budgeting knowledge will help you understand how to enter and exit the flow of money.
There are three steps to create a budget:
Identify your net monthly income
Identify the money that comes into your home after making all deductions, including taxes, Social Security, etc.
Identify Monthly Expenses
Their costs are all the things you spend money. Be sure to include expenses such as rent and telephone bills and expenses that occur periodically as the car insurance and medical bills.
Subtract your monthly expenses from your income
If you still have money you can decide how to spend or save. If your expenses exceed your income, you and your family have to decide what expenses can be reduced or decide how to get more revenue.

Just direct us towards saving tips!

1. Use the Back

When you shop, look for items that you can use again. A simple example is the battery that you can re-charge, rather than disposable batteries. The price initially is more expensive than ordinary batteries, but as time progresses you will certainly find it useful.

2. Financial Plan

Everyone should have a financial plan. One of the best ways to save money is by writing down your expenses. In general, when someone does not know where their money went, then when they see the spending records on paper, they will be surprised and immediately change their bad habits.

3. Self to please

Set aside funds for your own pleasure, lest you forget the self sendir! Even though your budget is low, you should not forget to give yourself pleasure, such as buying new clothes or go out to eat your favorite food at the restaurant. Do not let yourself be constrained by the scarcity mindset. Remember the law of abundance, “The Law of Abundance”: this world will pleasure of God abound, including money. You only need to control how you use it.

It has a habit of saving is obviously very useful for our future. Saving money is saving some money to be used at a later date if necessary. More and more money to save the better. There is a saying that says “saving the base of the rich”, this means if we diligently save lots of money and the simple life is not excessive then eventually we will be able to enjoy a happy outcome.

Do not forget that saving money is finite. Pay tax liability and your alms before saving as well as practice some of the money we are to worship for a happier future in the next life.

Familiarize yourself from the small saving will be able to establish the nature of saving, thinking far ahead, not selfish, impatient, and so forth. Therefore if we have children then educate our children to become savers accomplished. But avoid excessive saving or concerns on the perception of future needs that we do not become negative for those who have a stingy or miserly nature.

Budgeting can be difficult. How to create a working budget and how do you ensure that you also can keep? With this simple formula budgeting is a lot less difficult!

Budgeting is to provide insight
Due to budget increases your grip on your financial situation tremendously. Are you someone who usually spends his money without really thinking about? Then with a budget more money left at the end of the Month.

Creating a budget can be a difficult and challenging task. Because how do you know when you’ve made a good budget? Moreover, a complex budget to ensure that you can not comply.

Simple budgeting, keep your budget simple
Because your budget as simple as possible increases the chances of you in daily life really can work. A detailed budget is very nice for one months, but can not beat next month. Therefore we advise you to opt for a beginner to a simple budget. This can be achieved by working with the following formula budgeting.