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Successful Budgeting

Whether you are suddenly faced with a new financial challenge, or simply trying to save money, these tips can help you achieve your goals.

Begin by creating a realistic budget plan

  • Know what bills are due and when.

  • A checking account will provide an easy way to pay bills and a way you keep track of what you spend.

  • Ask the electric and gas companies if you can get on their budget plan or average payment plan.

  • Know how you spend your money.  Get in the habit of keeping receipts. Categorize your expenses and look for ways you can economize.

  • Plan for large and periodic expenses.  Make a budget calendar showing the appropriate amount of these expenses and when they are due.

  • Budget for regular maintenance and unexpected repairs

  • Adhere to a regular savings plan. Many financial advisors suggest saving 5% of your take home pay.

  • Always keep an emergency fund on hand. You need to have a nest egg.

  • Plan a head for major purchases rather than making impulsive decisions.

  • Put together a seasonal inspection checklist for your home and car to prevent costly repairs in the future. 

  • Buy do-it-yourself repair books and videos for minor home repairs.


Back to Top Page Last Edited: Mon Oct 3, 2011 5:16:37 PM
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