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	Deciding To Keep A Budget Part 2 by Diane St. James
Astrology, Tarot, and Self Improvement for the New Age.

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Deciding To Keep A Budget
Part 2
by Diane St. James

Page: 1 2

Consolidate Debt

See how much you spend in credit card payments. How many different ones do you pay on? If it is more than a few here is a suggestion. Don't keep making the minimum payment on several different cards each month. They will each continue to add finance charges, and you are also spending more in postage (unless you pay electronically or via phone).

Also having several open charge cards with balances on them (especially if they are close to the limit), will affect your credit score which is one of the main things reviewed when getting a mortgage.

Look at the credit cards bills you currently have. See which ones have the lowest APR (annual percentage rate as well as have the highest credit limit. Many offer transfer balance services also at introductory lower rates for up to 6 months.

I would recommend consolidating all of your credit card balances into two or three credit accounts. And then don't use these credit cards unless absolutely necessary. If you have a lot of open credit card accounts, close a few. This may bring your credit score up as well and help you resist the temptation to use them.

I myself had some credit issues a few years back and transferred all my department store balances into one Visa and one MasterCard account.

Sure the balances on these were now high, but there were only 2 credit card payments due each month. The minimum payment was more, but I could pay more because I wasn't trying to split the money between 10 accounts.

Then I tried to add an extra $20/month to my payment and not use these credit cards either. My balance started to come down by more than a couple dollars each month. It can work!

I also saved on postage. Today if you mail payments on 10 separate credit cards each month, that is $3.70 in postage. Sending 2 payments is .74 cents. So you save nearly $3.00 in postage. It may only be $2.96, but it adds up each month. In a year's time it equates to $35.52 in savings!

Shop Smart

See what things you may have bought that weren't really needed. Shop smarter. If there is something on sale that you use a lot, stock up while its on sale. Then you don't have to buy it the next few times you are at the store. Try using coupons when you can, many stores double them.

Do you eat out a few times a week or more? Try doing it less. Pack a lunch for work more often, instead of using those vending machines or worse yet going out to lunch. I think you get the idea. I'm not saying don't enjoy life, just try to keep a rein on where the money goes.

Keeping The Budget

Once you have a budget with the amount you'd like to stick to each month in each category, try to keep within those limits. It doesn't hurt to put a little in savings each month too, if you can, but the first thing to do is pay off any credit card debts that you have.

If you can stick to this plan and follow your budget you will have a better grasp on your finances and be able to stop wondering where all the money goes!

Copyright 2003 Diane St. James All rights reserved.

Diane St. James is a mortgage professional with over 22 years experience. Her website ABC Mortgage exists to help educate people about the mortgage world. She is the author of 2 e-books, and has been quoted in the WALL STREET JOURNAL, on msn.com and appeared on national cable new television CNBC.

Page: 1 2

Are you looking for more information on Money, Financial Management, Possessions, and Physical Pleasures?

Taurus is the astrology sign that deals specifically with Money, Financial Management, Possessions, and Physical Pleasures. Learn more about Taurus.
The information here tells all about Taurus Astrology.

Taurus Horoscope

I will feel equality has arrived when we can elect to office women who are as incompetent as some of the men who are already there.
~ Maureen Reagan ~
Born January 4, 1941

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Last updated April 29th, 2004

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