Manage Your Money How To Manage Your Money Ways to manage your money are become more and more difficult. With prices increasing all the time, managing your money can be more difficult than ever. Here are some solutions for you to manage your money so you can meet your needs and still find ways to trim off a little for the future. 1. BUDGET: Get one and stick with it! And set aside at least a small portion for savings while you’re at it; saving for your future, your retirement, your education, your vacation, whatever. Head to your local office supply store for planning workbooks or budget sheets to use. Or head to your favorite search engine and type in, "budget planning" for hundreds of sites with articles, free downloads, tips, ebooks and other resources to help with your budget setup and follow up. It isn't easy to manage your money, but it is worth the effort. 2. PLAN AHEAD: Make sure to plan for emergencies and the unexpected, like an appliance break downs or garage door malfunctions. Even if you can only set aside $50 or so each month, place it in an account and earmark it for this "Miscellaneous" fund. Then when things go wrong, and they will -- nothing’s perfect -- you’ll be better prepared. 3. NON-MONTHLY ITEMS: Work out a monthly payment for items that you don’t pay monthly and set this up in your regular monthly budget. For example, for items like annual home owner's or renter's insurance, quarterly water bills and automobile insurance payments and annual trash bills. Take the amounts and determine what they would be monthly. Then list the items on your budget log and pull these amounts aside, saving them in your account for those purposes. This way, when the bills hit, you won’t be caught off guard and have to scrounge for the payments. What works well, instead of handling multiple savings accounts for each company owed, is to use index cards and one savings account. Create one index card for each bill. Then simply log the amount you’re setting aside on the card and deposit it into your savings account. Keep the index cards with your savings passbook to remind you what the balance covers. The total of all your index cards should equal the balance in your savings account. (Make sure to create an index card for your regular funds that you are saving each month in step one above and a card for your Miscellaneous fund in step two above). So next time you get paid, take three giant steps forward. Grab your index cards, follow your budget and invest in yourself and your future. Start learning how to manage your money. Money Matters Now the Entrepreprneur Magazine Money Matters Show 100 Questions Every First Time Home Buyer Should Ask Part I Ilyce Glink, Personal Finance Expert Picture this - Your Dream Home....NOT! Part I Linda B. 100 Questions Every First Time Home Buyer Should Ask Part II Ilyce Glink, Personal Finance Expert Picture this - Your Dream Home....NOT! Part I Linda B. Free Resource Now you CAN Get Credit Card Debt Help! Here is your FREE credit card debt eBook when you subscribe to our Credit News and Tips newsletter. Learn how to end your credit card debt with this free eBook (valued at $27) You will learn: Why moving credit card balances to low interest credit cards can save you money (page 52) How to use consolidation loans wisely (page 50) The three ways to pay down your credit card balances and which is best for you (page 69) How you can make "interest" work for you (page 17) How advertising influences you to spend more money and what you can do about it (page 10) Why the rich get richer and the poor get poorer and how you can move to the rich side (page 17) How the "Can I afford the payments?" culture has changed the way you think about credit and debt (page 22) Why banks are not necessarily your friend (page 23) Why written goals will save you money and how you can start writing your own goals (page 30) The only type of plastic cards you should carry (page 35) How to live like a millionaire for less than you think (page 24) The importance of budgeting and making targeted spending goals with easy to follow examples (page 36) How to create a personal budget (page 61) How to contact your creditors to reduce your interest rates (page 74) What to watch out for with credit counselors (page 77) How you can earn more money than you do now (page 82) All the resources you need (page 104) ... and a whole lot more You Need this Free Credit Card Debt Help Resource Just sign up for our Credit News and Tips newsletter. 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Find out where you are financially and where you need to be. Consolidation Loans Reduce your interest payments AND get a tax break. Act now before interest rates increase. A big step is to get lower interest payments. Take two minutes to fill our our no obligation form. A debt counselor from a non-profit agency is waiting to help you. Eliminate that mountain of bills and cut interest payments by more than half. There is nothing to lose. Back to the main page of Credit Card Debt Help | Become Debt Free Payday Loan No Credit Check Refinance Company Steal A Credit Cards Number To For Fraud Use How Do I Remove Something From My Credit Report? Gas Prices Got You Down? Save 10¢ per gallon from now on! Buy Gas at a Discount Copyright © 2001-2009 by Robert Sherman All rights reserved. Privacy Policy