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	Top 10 Budget Busters Family Budgeting Help Part 2 by Michelle Jones Better Budgeting
Astrology, Tarot, and Self Improvement for the New Age.

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Top 10 Budget Busters
Family Budgeting Help
Part 2
by Michelle Jones

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6. Giving Money Away When You Can't Afford It

This subject is difficult to discuss because the final decision must be left up to the individual -- each person ultimately must do what he/she feels is the right thing to do, at any given time.

Generosity is certainly a worthy trait, and one we should all continue to improve. However, if you continue to give money away that you can't really afford, as Dr. Phil McGraw would say, "How's that working for you?"

If it's working, great! If it's not, consider adjusting your giving, or increasing your income so you can continue to be so generous. You can also give your time and the material items you no longer need to those who do. That can be just as valuable as money, if not more.

7. Buying People Gifts When You Can't Afford It

This area of spending is similar to #6 above, but goes a little deeper than just being generous. I'm referring mainly to the annual birthday and Christmas presents we purchase for our friends and family. If it's stretching your budget or keeping you in debt, make an effort to scale back this year, and every year.

And this includes the lavish birthday parties some parents feel they must put on for their children, even giving away 'goodie bags' that value $10, $20 or even more. When I was a kid birthday cake and ice cream was wonderful enough.

It's possible, by handing out 'goodie bags' to all the party attendees, we -- as a society -- are teaching the children to expect something in return whenever they give a gift. Who started this madness?

8. Accumulating Too Many Monthly Bills

It may not seem like much, but $20 here, $15 there, and another handful of monthly expenses everywhere can add up to one big mess. Just as keeping track of your monthly spending will benefit your budget, keeping your monthly bills in line will help tremendously. That's what creating a budget does, your monthly income must cover the outgo, and if it doesn't, you cut back.

9. Not Earning Enough Money

If you feel you're not earning enough money for the work you do, you might consider asking for a raise or promotion, or, looking for a better job. If these options are not available to you at this time, work on improving your skills and value to your employer so they will be soon. Taking on a temporary second job might help as well, just don't create a schedule that you can't handle.

10. And Maybe Our Worst Budget Buster of All. Not Creating a Budget in the First Place

"Never put off till tomorrow what you can do today." -- proverb

Don't let another day go by without gaining control of your finances ... it's just money, you CAN handle it.

Copyright 2003 by Michelle Jones All rights reserved.

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Michelle Jones is the editor of Better Budgeting. Subscribe to her monthly newsletter, The Money-Saving Tips Ezine.

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

If absolute power corrupts absolutely, does absolute powerlessness make you pure?
~ Harry Shearer ~
Born December 23, 1943

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Last updated April 30th, 2004

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Tell Me More About the Tarot
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Visioning : Ten Steps to Designing the Life of Your Dreams
By
Lucia Capacchione