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Tips For Staying on Budget

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Tips For Staying on Budget Powered By Docstoc
					Presented by Daniel Toriola
Before you can build wealth, you must create and maintain a budget to begin the process of saving money and getting out of debt. The secret to success is discipline. You must live within your means and learn to spend less money than you make Click here to know more

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Tips For Staying on Budget By Elizabeth Williams

If you're finding it tough to make ends meet in this economy, have lost your job or taken a pay cut – it's time to get serious about creating a budget and sticking to it. Everyone is forced to make some tough decisions regarding their finances in order to ride out this economic downturn – here are several tips for staying on budget to help you weather out the storm: How much money do you need? First, figure out how much you pay each month in necessary expenses – living expenses, debt repayments, bills. Factor in savings and some money for entertainment. This will tell you how much income you need to cover each month. If you aren't making enough, eliminate more from your expenses (get rid of cable tv, cell phone, use less energy, etc) or make more money. You can't stay on a budget if you don't earn enough to cover your expenses. Stick to the budget Once you know what you must pay for each month, and have given yourself a small allowance for entertainment (hey, all work and no play is never good!), stick to it. Don't buy anything that puts you over budget during the month. Write down all purchases and bill payments and keep a close eye on the finances to be sure you're staying the course. Avoid large purchases or delay them if possible Before buying anything that is outside the budget but you feel you must have, give yourself a 24 hour cooling off period before buying. Think about the purchase. Determine whether or not you absolutely need it, or could do without it. If after 24 hours you still think you need the purchase, figure out how to pay cash for it by adjusting your budget temporarily to get the money for it. Don't buy with credit or you defeat the purpose of working so hard. Often, you'll find that you don't feel as strongly about the item if you wait 24 hours instead of making an impulse buy. If you rely solely on emotions to make a purchase you stand a higher chance of making the wrong one. Waiting 24 hours gives you time to make practical decisions about the purchase.

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It's a family effort It's not possible for one person of a partnership to create and stick to the budget, it has to be a team effort. Both must be on the same page financially and both must agree to stick to the budget. It's important that everyone has equal rights and say in the financial decisions, but expect some heated discussions if you have differing views on money management! For children and teenagers, you can start teaching them valuable financial lessons by giving them a set allowance and helping them learn how to manage their money. Older teenagers should think about a part time job and begin taking more responsibility for their own care and needs. Debt repayment One of the major reasons people should budget and stay within that budget is to pay off existing debts. Think about it – if you didn't have debt repayments your income would go a lot further, wouldn't it? Make paying off debt a priority, especially of those smaller nagging debts that keep hanging around. Once your debts are paid off, you can relax the budget a bit and give yourself more money for entertainment and save more to avoid having to go into debt again in the future. These tips will help you stay on your budget and weather tough economic storms for long periods of time. Once you make these slight adjustments in your financial habits, you may find you don't mind living frugally! Elizabeth Williams, Editor-in-Chief for http://CreditCardFlyers.com http://CreditCardFlyers.com is a consumer’s haven for credit card balance transfer information and offers. We help you find the right balance transfer card to meet your financial needs and you can compare and apply for your 0 apr balance transfer card online.

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5 Holiday Travel Tips if You Are on a Budget By Deanna Mascle

The holidays are here again. What an exciting time. What a stressful time as well. There are presents to buy and cards to send out. Parties to attend and perhaps a party to host. The tree is up and the lights are hung on the house. Now it is time to plan for this year's trip. If your budget is tight here are 5 travel tips to get to where you are going without breaking the bank this holiday season. Maybe these tips can even make your travel less stressful. 1. If you are flying and have presents to take ship them in advance. They will be there when you arrive and you do not have to mess with taking them on the plane. If you do take them on the plane do not wrap them. With the heightened security at airports they will probably just be unwrapped and checked anyway. 2. Consider renting an apartment or condo for a week. You can find some great deals online and save a considerable amount of money over paying for a hotel. Depending on the size of your family you may want to look into renting a vacation home. 3. Don't eat out anymore than you have to. Eating out is expensive. Use your rental to its full advantage and go to the grocery store and buy what you need to cook your own meals. Get the kids involved and let them help pick the meals and even help cook them. 4. Recreation during the holidays is one of the great benefits of having a family. You can play board games or card games. Take along a Frisbee or football and get outside and throw them around. When you rent a place for the week it offers you all kinds of ways to save money. You can take along your favorite DVDs and have some family movie time everyday. 5. If you rent a vacation home you might want to share it with another family. Being able to split the costs with someone you enjoy being around during the holidays can save you a lot of money as well. This idea may or may not work for you depending on the ages of your kids and the common interests of the family you travel with. These are just a few holiday travel tips if you are on a budget. Even if you are not on a budget you can save some money during the holidays and have some quality time with your family that you might not get staying with a relative or in a hotel. Learn more about discount travel tourism at http://route104.us/

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