The Circle of Life -- The Zodiac Signs and the New Moon's Journey
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When Difficult Relatives Happen to Good People: Surviving Your Family and Keeping Your Sanity
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	Top 10 Budget Busters Family Budgeting Help Part 1 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 1
by Michelle Jones

Page: 1 2

Many people make sincere attempts to set up a household budget and get themselves together financially, but too often these attempts fail. And for those with the most difficult financial circumstances, it may take several attempts to finally create a plan that works.

We've talked a lot about how to get started with budgeting (and back on track), but let's look at some of the budget busters that may be throwing us off track in the first place.

1. Living on Two Incomes

When a couple first starts out, they often have two incomes and will set up their household budget based on that combined total. But as soon as the first financial crisis hits and one of those incomes is reduced or even wiped out, everything can fall apart.

The solution; couples should make every effort to live on one income. Use the second income for savings and extras, many of which will be needed due to the additional job.

2. Not Enough Money in Savings -- for Emergencies

This should be obvious to everyone, and recent financial reports reveal that we're finally starting to set more and more money aside in savings accounts. congratulations! However, there are still many of you out there who haven't even opened an account yet. So, when your next paycheck arrives, just DO it!

3. Spending More Money than You Really Need To

Ouch. I know that one hurts. The fact is, many of us are still spending too much money, even though we know better! There are lots of things you can do to control spending, if it's a constant problem for you then make yourself some rules and stick to them.

Some of your rules might include: "I won't buy anything that isn't on sale -- at least 40% off" or, "I won't buy anything the first time I see it, instead I'll wait for at least 48 hours -- or a week -- to see if the 'need' passes," or even better, "I won't buy anything that isn't on my 'need' list!"

And families can keep each other on track -- "I won't buy anything that (name of family member) doesn't agree we should buy." That one will cut out a lot of extra spending, and remember, it goes both ways!

4. Not Keeping Track of the Extra Money You Do Spend

If you haven't tried this yet it may be the biggest step you will take in keeping your finances under control. For 30 days, write down everything you spend money on, and keep doing it as often as needed; every month, once a quarter, and then down to once a year if you're staying within your budget.

If you get off track, start recording your expenses every month again. Keep a small notebook in your purse or car, and log every purchase, every day. It may seem trivial, but it works.

5. Putting Too Many Purchases on Credit

Boy is this easy to do if you're not paying your bill in full each month. A few purchases can easily add up to hundreds -- or thousands -- of dollars. Keep track of your purchases when using credit, just as you would when using your checking account or cash.

Page: 1 2

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

America's future will be determined by the home and the school. The child becomes largely what he is taught; hence we must watch what we teach, and how we live.
~ Jane Addams ~
Born September 6, 1869

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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 30th, 2004

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Controlling People: How to Recognize, Understand, and Deal With People Who Try to Control You
By
Patricia Evans