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	Deciding To Keep A Budget Part 1 by Diane St. James
Astrology, Tarot, and Self Improvement for the New Age.

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Deciding To Keep A Budget
Part 1
by Diane St. James

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Most of my 22 years in the 'work force' have been spent in this wonderful world of mortgages. But there was a period of time when my first daughter was 3, that I worked for a Financial Planning firm about 45 minutes from my home. What can I say? All the good jobs were not close by.

By observing the financial planners in their meetings and through my own education in business and finance, I've come up with a few suggestions for people on how to manage money better.

Decide To Start A Budget

First of all, I highly believe in a budget! Do I follow it all the time? Wait ... while I blow the dust off of my "Monthly Household Budget" book. Well, I didn't say I always practice what I preach, but if you can write down a budget and stick with it, that will help.

Start Keeping Track

First you'll want to keep track of all your spending for a few months to see just what you spend money on. Keep a little notepad with you if you need to, so you know where it all goes. Little incidentals like that pack of gum, deodorant, and oooh ... don't have that new copy of People magazine yet, can be put into a miscellaneous category.

Depending on how many categories you have, by the end of the month, this miscellaneous total may be your biggest! . The monthly household budget books that you can find at any store like Kmart, work well, or if you are computer savvy and want to keep it on a spreadsheet type of program, you can do that.

Write your expenses in the appropriate column and don't forget to write your income down too.

Analysis And Discovery

Once you have a few months of income and expenses written down, take a look at it. Look at it again! Are you spending more than you are making? Join the crowd! How is this possible? Maybe the credit card is being used a little too often, or you are dipping into savings to get the lawn furniture that is on a special pre season sale.

Don't go blaming yourself entirely (although changing it is up to you). We live in a world of instant gratification which is hard to resist.

Look At Cutting Back

Look at areas that you can spend less money. Of course things such as rent or mortgage payments, car loans and installment loans that will be there every month, you can't change. Utilities you will have to average, because the amount you spend will vary each month unless you are on a budget payment plan like some utility companies offer.

You can certainly save on utilities. Have you ever seen that commercial where the mom follows the kid around the house, turning everything off after the kid had turned everything on and left the room? You can turn things off that you don't use. Are you forgetful? Get a timer! Take showers instead of baths. In fact, take shorter showers ... you get the picture.

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.

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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 do most of my work sitting down; that's where I shine.
~ Robert Benchley ~
Born September 15, 1889

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Enchanted Spirit is a non-denominational spiritual center of healing, support, self-improvement, personal guidance, education and writing. We publish multi-media works of New Age thought and information to encourage serenity and growth in individual life choices, advance the universal search for life's meaning, and promote tolerance for positive ideas from all philosophies and religious traditions, believing as we do that truth is where you find it.

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Last updated April 29th, 2004

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The Work We Were Born to Do: Find the Work You Love, Love the Work You Do
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