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The cost in interest and fees amounted to more than $1,000 for the typical budget. If you just said, "Budget - what budget?," you know what I mean. Truth is, most of us go on spending sprees from time to time. But, when power-shopping creates the illusion of success, even as debts spiral out of control, it has become a weakness. Some obvious signs that spending is out of control include making minimum payments on your credit cards, late fees, bounced checks, lack of a budget and loss of sleep over money worries. Debt counselors say there is no easy way out of this fix. The answer for most families is belt-tightening. Is there an area in which you might need to adjust your finances by a notch or two? Adjusting Finances: 1. Consolidate credit cards. 2. Refinance your home mortgage. 3. Track expenses. 4. Create a budget. 5. Arrange for automatic bill paying. 6. Curtail discretionary spending. 7. Pay less for necessities. 8. Pay down your debts with any windfalls 9. Make saving a habit. 10. Compare your spending to that of others. Budgeting Guidelines: Of course, spending varies by income and region of the country (e.g., housing is more expensive on both coasts). But in all cases the total should not exceed 100% of your income. So if your expenses are high in one area, they should be lower in another area. Using the figures below as a general guideline, take note of where your spending might need adjustment. (Average household spending) Statistical Abstract of U.S., 1999 Spending Range • Food/alcohol = 13.5% self help prosperity budget article continued at P69 below: P128 How To Budget Successfully ebook by Terry Rigg P83 How to Start a Budget by Karen Jones P86 The Why, When & How of Budgets P124 The Typical Family Budget by Gary Foreman P112 Savings Ideas for Students by Nancy Twigg "Keep Them Handy: Budgeting Tools that Work" "The Advantages of Using Money Budgeting Software" "Secrets of keeping to the family budget" P97 Grocery Budgets and Savings by Gary Foreman "A Little Goes a Long Way: Smart Secrets to Budgeting" "Priorities Bring Focus to Family Budgeting" "We are Family: Budget Tips for Today's Familial Ties" "Budgeting For Emergency Funds?" "TAKE CHARGE OF YOUR FINANCES: TIPS ON BUDGETING"
P101 Pre-planning and Dealing with Finances and Funeral costs after the death of a loved one P93 Our Budget Does not Work by Gary Foreman P96 Teaching Teenagers About Money P124 The Typical Family Budget by Gary Foreman P89 Budgeting for Teenagers (using computer spreadsheet) by Karen Jones P115 Marriage and the Single Budget by Gary Foreman
P106 The Early Years for Couples and Budgets P111 Singles Parent (stay at home) Budgets by Gary Foreman P65 Dividing the Financial Pie by Jim Rohn P95 Money Management for Kids by Gary Foreman P81 How to Stick to Your Budget by Terry Rigg P82 How to Start Saving by Doris Dobkins P80 Lowering Utility Bills self help strategies P77 How to have a free Holiday by Colleen Moulding P78 Frugal Recipes From Wartime Britain by Colleen Moulding P79 Five Optimal Questions by Rosalene Glickman "How to Budget Successfully" ebook to get your finances in shape Do you have a contribution to make to this site?Here is your chance to submit your article or review! Read the latest contributions here:Click below to see contributions from other visitors to this page...
Taking Care of Your Debts
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Save your Family from the effects of this Recession
Not rated yet "Tips on Saving Money during the Holidays" "Save Money and Save the World" ============================================== SITE DISCLAIMER: The self help resources on this site are not intended to be a substitute for therapy or professional advice. While all attempts have been made to verify information provided in this self help publication, neither the author nor the publisher assumes any responsibility for errors, omissions or contrary interpretation of the self help subject matter herein. There is no guarantee of validity of accuracy. Any perceived slight of specific people or organizations is unintentional. This self help website and its creators are not responsible for the content of any sites linked to. The self help contents are solely the opinion of the author and should not be considered as a form of therapy, advice, direction and/or diagnosis or treatment of any kind: medical, spiritual, mental or other. If expert advice or counseling is needed, services of a competent professional should be sought. The author and the Publisher assume no responsibility or liability and specifically disclaim any warranty, express or implied for any products or services mentioned, or any self help techniques or practices described. The purchaser or reader of this publication assumes responsibility for the use of these self help materials and information. Neither the author nor the Publisher assumes any responsibility or liability whatsoever on the behalf of any purchaser or reader of these self help materials. self help resources listed for your convenient self help search in the self help subjects of Prosperity, financial management, self help budgets, save money, start a small business, self help career development, self help strategies for increasing your prosperity. ============================================== |
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