Shapiro’s Picture Perfect Weight Loss: The Visual Program for Permanent Weight Loss) asks his patients to keep a “food diary” so they can see for themselves what, how much, and when they’re eating, as well as what they were feeling when they ate. The key to shaping your financial future is knowing your past, that is, where you have been. knowing how you will get there (route and responsibilities).knowing where you are going (receiver) and.knowing where you have been (previous loads and customers, history, good and bad experiences).Just as in driving a truck and delivering freight, there are four crucial parts of the budgeting process: So, if you haven’t yet begun to set up a budget, determine that you’ll start by a certain date, preferably today. Not only that, but in our area, there used to be a judge who despised bounced checks and put willful violators in jail! “Insufficient funds” and “overdrawn account” type charges can really rack up. In the realm of personal finances, running out of money will not only cause checks to bounce, but there are embarrassing charges that can be tacked onto your account. Ouch! Plan Ahead to Prevent Future Financial Disaster Mike had said, “We’ve got enough to get us to the Conley TA.” We had had an opportunity to get fuel along the way but didn’t take it. The truck we were driving at the time had twin 120-gallon tanks, so there was no excuse to run out of fuel. What was even more embarrassing was that we were less than 10 miles from the truck stop where we had planned to get fuel, and from which the service truck originated. Our truck not only needed diesel, but it needed a charge, too! We were embarrassed to have to call our trucking company to get a service truck to bring diesel to us.īy the time the service truck arrived, the lights on our truck had been flashing for so long that our batteries has also run low! Getting caught shorthanded on your personal finances is just as humiliating as the time when we ran out of fuel on I-285 south of Atlanta. You don’t want to spend everything during weeks when your checks are up and be caught shorthanded when checks are down. You will need to work out a system to plan for income and outgo ups and downs. Market conditions sometimes change when they do, business changes.
Trucking owner operator monthly expenses budget driver#
There are many things that can affect a budget.įor one thing, unless you are a driver with a dedicated route (and have a regular and consistent salary) or you drive locally (and have consistent hours at a consistent hourly wage), your paychecks will vary.Įven with a dedicated route or local job, there can be things that can affect your ability to earn income or that affect your expenses.
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