Parenting HeadQuarter
Parenting, Marriage, Health, Finance and Life
100 Money Saving Tips: Part 2
Saving money is one of the important thing for me and many parents I know. Here is a list of 100 more steps to take. Each of these tactics are simple little moves you can make to improve your financial situation. Some of them take just a few minutes, others might take an hour or two, some of them require a bit of regular effort, but they’re all incredibly simple – anyone can do them. Each of them also save significant money, especially over the long haul, and when combined together these tips can save you a lot of money… Continue reading
How To Have Right Money Mind
My two oldest children are in elementary school. They have a wide range of classmates from different ethnic, political, social, and economic backgrounds in their class. There are children of college professors in the classroom right next to the children of migrant workers of immigrants.
Children in early elementary school are enormously influenced by the ideas of their parents, but the importance of the ideas of their friends and classmates is rising as well. The result of that is that children of that age bring home all kinds of strange ideas and questions from school, questions and ideas generated by… Continue reading
12 Reasons You Should Have a Budget
THE RATIONALE AND PROCESS OF BUDGETING: Budget can be dreaded word for some, but it does not have to be. Here are twelve good reasons to get you started on your path to budgeting or I like to call it, spending plan.
1. Family budgets are used as a baseline, analysis-tool and roadmap. It is a useful tool and guide. It tells you whether you are headed in the direction you want to be headed in financially. It helps you to move from spending to saving and good fiscal balance, management and responsibility.
You may have goals and dreams, but… Continue reading
Understanding Family Budget
What is the family budget again? It is a pro-active, hands-on approach, focused, technical and disciplined strategy to getting a handle on the current financial situation in the home and family,
It concerns setting realistic, SMART financial goals for the household, sticking to it, celebrating successes, learning from failures and trying again if you do not succeed or get it right the first time round .It is about shifting focus completely from a mainly spending to a savings orientation. Cash and money-management 101 for everyone!
We have laid out what a family budget is, does and affects. A brief mention… Continue reading
How to Start a Budget: Setting Up Process
To get us started and in order to set up a monthly budget, follow these five easy steps:
Step one: find out your monthly take-home pay
Step two: find out what your expenses are
Step three: find out how much you spend on each expense
Step four: see if your monthly expenses match monthly take-home pay
Step five: Balance your budget. This means in your family budget you need to ensure that you are spending matches take-home pay. It might indicate that you have to cut back on spending to balance.
It sounds too good… Continue reading
14 More Practical Family Budgeting Tips
Moreover, on ‘living within a family budget’, here are more listed FOURTEEN more great practical suggestions on family budgeting:
1. Stay busy after work
One “easy” way to avoid overspending and thus stay within your budget is to have something else to do after work. Get a second job that is fun, go to school, volunteer or get into great physical shape. The more you do, the less you will spend!
2. Watch those miscellaneous categories
Make sure you have enough well-defined categories to capture your true spending. Putting too much into a miscellaneous category makes it harder to track… Continue reading
11 Practical Tips For Family Budgeting
Here are ELEVEN more practical suggestions and tips from online users posted on the internet on family budgeting:
1. Keep a record book as well as your bankbook
It takes time and requires a lot of self-discipline. Start each month with the balance and enter every payment, etc in advance, in the form of a calendar. It works well for most people due to the fact that they always have their actual working balance handy. Remember the comment about having your financial information at your fingertips? Here is a sure-fire way to get you on that path quickly.
2. Calendar… Continue reading
Top Reasons Why Budgeting Fails
TOP THREE CAUSES OF BUDGET FAILURE
Many people make an honest attempt to budget, but become discouraged and give up before they are able to accomplish any significant financial gain. The top three causes of budget failure come into play before you even begin to set up your budget. Awareness of these budget busters, is your first line of defense in the Battle of the Budget.
Budget Buster #1 – Negative Attitude
It cannot be emphasized enough–a positive attitude about budgeting is essential to your success. If you think of budgeting in negative terms (such as a financial diet, financial… Continue reading
Budgeting Solutions For Personal Finance Dilemmas
One of the huge crisis we face is being in debt so much that we can not live our life the way it was meant to be. Do you want to be debt free today? If you have the money in the bank, of course, you can pay off all of your bills. However, for most of us, being debt free today is more of a mentality than a reality.
Being debt free today means no mortgage, no auto loans, and no credit card bills. It means that everything you earn goes into your pocket for spending this month… Continue reading
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