Budget Tips by toriola1


									                                                Presented by Daniel Toriola

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                                                                 Budget Tips
                                                             By Jason McGraw

    The latest economic growth report for the United States was not the positive beacon of light that
most of us wanted to hear. Actually, the report indicated a slowdown. This is no surprise to most in the
financial industry since the sluggish growth has been right at our front door for some time now. One of
the biggest problems faced by the American consumer is how to manage their bills in a responsible
and timely manner while avoiding the pitfalls of falling behind on the debt owed to creditors. This can
be an extremely treacherous task to accomplish in today’s economy. There are a few contributing
factors that most of us deal with on a daily basis which makes it even harder to contend with the debt
owed. They are high and ever climbing gas prices, the recent meltdown in the subprime mortgage
markets, and more stringent creditor guidelines. Also, mismanagement of funds on the consumers’
behalf, in particular spending beyond your means usually leads to financial turmoil. If you are doing this
it is probably with the help of a credit card, which usually indicates a debt issue. If any of the examples
listed above apply to you then keep on reading to find help with budgeting your resources.

 “I need help but do not know where to start. What can I do?” This is one of the most common
questions asked of a financial professional.

First you need to take a good look at your monthly expenses.

 Second, divide monthly expenses into two groups-Fixed and Variable costs. Fixed costs are costs that
stay the same and never change whereas variable means your costs change or vary. This is known as
organizing your expenses.

 Now let’s prioritize the debt. If you are a homeowner the mortgage payment should be on top of your
list. Depending on the type of mortgage you have this could fall under fixed or variable costs.

 Third you should focus on debt that has a variable or changing rate. This is usually associated with
credit cards and lines of credit- secured or unsecured. As many consumers have found out this is the
area that needs extreme attention to detail. Why? Most debt instruments of this form have daily
compounding interest which can lead to greater debt and financial stress.

 Lastly, do not forget about retirement. A few ways to accomplish this are to set aside money for the
future whether in the form of mutual funds, bonds, stocks or 401(k) plans.

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                                               Presented by Daniel Toriola

 Now add up all outgoing expenses and subtract them from your monthly income to find out your
disposable or discretionary income. If the amount you calculate seems to low and you would like less
debt and more disposable income go back and review each of your fixed and variable costs. Take a
hard long look at where your money goes and cut back where appropriate. One of the best places to
cut back or limit spending is with credit cards. Use this debt wisely and only when absolutely
necessary. If you calculation shows you are in the red (more money going out then coming in) you may
need to speak with a financial professional to help you regain financial control.

 Remember, track all expenses and set up reasonable financial benchmarks to avoid becoming
another statistic for debt issuers and buyers.

Jason McGraw is a Financial Consultant in the San Francisco area. He is currently a member of the
management team at Select Debt Relief. The increasingly large number of bankruptcy filings in recent
years has prompted him to lend is expertise in resolving consumer debt. For more financial information
please visit http://www.selectdebtrelief.com

Personal Budget Power
7 Easy Steps to Create the Perfect Cash-Generating Personal Budget that works for ANYONE, no matter your financial situation.
                                                                                                                                Page 2
                                             Presented by Daniel Toriola

                                        Planning Your Wedding Budget in a Wise Way
                                                       By TM Lung

The first issue you need to consider when you are planning for your wedding is your budget. Without a
budget it will not be possible for you to make decisions. As a matter of fact, you will need to think about
this issue as soon as you have decided to get married. You will need to spend quite some time in order
to this once-in-a-life event perfect.

You will have to make sure that your budget is a realistic one. You will need to know how much you
will need to spend. This is even more important for couples who would like to go for a wedding loan.
You will need to know the total amount you need in order to apply for the loan.

 You may wonder how you can plan for your budget. In this article, I will show you that it is not difficult
to plan for the wedding budget. Below are some tips and tricks for you to plan for your budget.

 First of all, you can think about your reception. Most couples will allocate 50% of their budget to the
reception. Another 10% will be allocated to the wedding dress. This cost of wedding decoration will be
more or less the same as the dress. Now you will have 30% left. You will be using this 30% for your
wedding invitation, flowers, DJs and so on.

 In fact, you will need to create a check list in order to plan for the budget of your wedding. You will
need to know all the items to be involved so that you will know how much you are going to spend on
each item. Some of the issues you will need to consider are the catering services, decorations,
wedding invitations and gown.

 When the wedding venue is concerned. You will need to think about the size of your wedding. As a
matter of fact, the size of your event will affect the cost of most items on your big day. If you are going
to host a small event, it is certainly you will need to spend less money.

 As a result, you will need to cut down the number of guests if you have a tight budget. Of course you
may find it difficult to do so. However, this is the best way for you to cut down the cost. You will
certainly want to go for a small wedding if the cost of it is your main concern.

 One last thing you need to know is that it is a must for you to discuss with your spouse before making
any decision. This is very important when you are considering the size of your event. You will need to
know how many guests your spouse would like to invite. You may also need to know how many guests
your parents want to invite.

 As the end of the day it is not difficult for you to set your budget. There are also a lot of wedding
budget calculators on the web. You may use one of such calculators and you will find that it is very
easy for you to set the budget.

TM Lung is a wedding invitation designer. His works can be found from http://www.983wedding.com
and he runs a blog http://www.weddingabc.net on weddings. You can find some other wedding tips
from http://www.imarry.org

The Budget Decorator
Decorating with Creativity, Not Cash!
                                                                                                           Page 3
                                    Presented by Daniel Toriola

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