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Budget Articles

Setting up a budget Few things strike more fear into the hearts of people than setting up a budget. We all know we need one, a few of us actually have one, and fewer still manage to live within it. Why is it so intimidating?

Design a budget around your take-home pay Have you ever found yourself wondering where all the money has gone and its not the end of the month? There are things we can do to help ourselves eliminate being in this situation

Budget The Luxuries First! "Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity."

Nine Ways to Stretch Your Income These days, many of us are finding ourselves having to stretch the ends until they meet. And anything's possible. Vicki Robin, author of Your Money or Your Life lives on the $6,000 that her investments generate each year. Here are some tips for stretching every dollar.

The Most Costly Expense of All Do you think you have a lot of bills? If so, you are probably right. But have you considered the bill that costs you the most each month?

Top 10 Budget Busters Many people make sincere attempts to set up a household budget and get themselves together financially, but too often these attempts fail. And for those with the most difficult financial circumstances, it may take several attempts to finally create a plan that works. We've talked a lot about how to get started with budgeting (and back on track), but let's look at some of the budget busters that may be throwing us off track in the first place.

Quicksand: Debt's impact on budgeting Do you ever find yourself quietly pondering where it is exactly your money goes? Or, do you find yourself constantly struggling to save money and get ahead in spite of perfecting your budget and cutting back on spending? If you're struggling with money and credit cards are a part of your spending strategy, it's time to look at how your debt-load could be crippling your efforts to budget and save.

DECIDING TO KEEP A BUDGET Most of my 22 years in the 'work force' have been spent in this wonderful world of mortgages. But there was a period of time when my first daughter was 3, that I worked for a Financial Planning firm about 45 minutes from my home. What can I say? All the good jobs were Not close by. By observing the financial planners in their meetings and through my own education in business and finance, I've come up with a few suggestions for people on how to manage money better.

Your Finances Which category do you fall in? I have determined that financially, people fall into one of three categories.

Raising Teens on a Tight Budget Lets face it the things required these days to raise a child are expensive. Things can cost a lot of money school fees, fashionable clothes, sports activities to name just some as a scratch on the surface. The way to control some or all of these costs is to train and teach your son/daughter to see things from your point of view and help them understand.

Why Have A Budget Analysis This is simply a breakdown of your budget (income, bills & expenses) showing how much money you have coming in and how much you have going out. It will show how your budget category percentages compare with what is recognized as the ideal percentages. The most important aspect of the Budget Analysis is the recommendations for improvement.

Budget Leftovers It is extremely difficult to setup a budget, especially when you are behind on some of your bills. Even if you can make your regular bills and expenses fit neatly into your budget, what can you do if you don't have the money to catch up?

Are Your in a Budget Crisis? Ask yourself the following questions: Are you overspending each month? Do you have to make credit card purchases daily? Are you living from paycheck to paycheck? Are you only able to pay the bare minimum on your credit card debts? Are you unable to make "ends" meet? Do you wish you could save money? Do you wish you could fulfill some of your goals and dreams? If you answered yes to any of the above questions, you are in a state of budget crisis.

8 Tips for Paying Your Bills Maybe you really do want to pay your bills but just can't afford to pay all of them this month. Which ones should you take care of first? Knowing the answer to this question will help you get your priorities in line, preserve your credit rating, and minimize the nasty phone calls you receive. After much research and consultation with other professionals in the financial world, there seems to be a general consensus in this area:

Battle of the Budget Debt is one of our most universally felt problems. Almost everyone has been in debt at some point. Debt can feel oppressive, frustrating and debilitating, but quite often it isn't as bad as it seems. The key to getting out of debt is action. You can't bury your head in the sand. Take control of your problem. If you let debt rule your life, you'll never get anywhere, and you can be sure that you'll never get that business off the ground. Here are a few tips which might help.

Top 10 Reasons People Over Spend There are as many reasons that people over spend as there are budgets to help people get out of the debt over spending has caused. By talking to people, conducting surveys and helping people throughout the years, I have made a list of the ten reasons I hear the most often. Take a look to see if you fall in line with any one or more of these causes to indulge.

Paying Mr. Plastic John Smith was going over his credit card statements on a lazy afternoon. When all was said and added up, he was $10,000 in credit card debt and that didn't include his car payment! The amount was staggering to him. So John had to do some serious thinking about consolidating his bills.

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