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Seven Household Budgeting Tips Albuquerque NM

Keep your financial records organized and your filing up to date. Have a set of file folders for items such as receipts, bills, canceled checks, checking account statements, etc. Have a designated place where you keep or can easily assemble your home budget , your financial files, checkbook, etc. so it is all in one convenient location.
Garth Scrivner
StanCorp Investment Advisers, Inc.
(505) 298-1098
6000 Uptown Blvd NE, Suite 470
Albuquerque, NM
Donna Skeels Cygan
Sage Future Financial, LLC
(505) 298-4040
4800 Juan Tabo NE, Suite D
Albuquerque, NM
Bank of America - Smith's - Fair Plaza
505.282.1475
6001 Lomas Blvd NE
Albuquerque, NM
Wells Fargo - Menaul
505-872-2730
6000 Menaul Blvd Ne
Albuquerque, NM
Bank of America - Uptown
505.282.3030
6605 Uptown Blvd NE
Albuquerque, NM
Stephen Madeyski
Stephen Madeyski Financial Planning
(505) 798-9496
7112 Cindy NE
Albuquerque, NM
Ron Siemon
8300 Carmel Ave NE
Albuquerque, NM
Bank of America - Menaul Motor Bank
505.837.9950
7201 Menaul NE
Albuquerque, NM
Bank of America - Carlisle
505.282.2726
3101 Carlisle Blvd. NE
Albuquerque, NM
Bank of America - East Lomas
505.282.2359
5600 Lomas Blvd. NE
Albuquerque, NM
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Seven Household Budgeting Tips

Frugal Living

Seven Household Budgeting Tips
By S.L. Simmons 
Email apennysaved@alwaysfrugal.com
Jul 26, 2006, 20:53
   

Do you frequently get cash from ATMs and then have no idea where it ends up? Do you end up paying late fees simply because you don't have a good system in place for tracking and paying your bills? If you don't have a good budget system in place, it is easy to lose track of your hard earned money. The tips below can help you to keep your finances under control.

1. Keep your financial records organized and your filing up to date. Have a set of file folders for items such as receipts, bills, canceled checks, checking account statements, etc. Have a designated place where you keep or can easily assemble your home budget , your financial files, checkbook, etc. so it is all in one convenient location.

2. Avoid spending cash, unless you are good at writing down cash expenses in a journal. It is all too easy to get $100 from the ATM and then have no idea where it all went at the end of the week. If you have trouble figuring out where your cash gets spent, keep a small amount of cash on hand for minor purchases. For everything else, try to pay by either a paper check, online checking or through credit cards so you have a record of your purchases. Credit cards are a good way to track purchases unless you have trouble controlling your spending. If this applies to you, then avoid credit card purchases and focus on keeping track of your expenses in a journal or by paying for items by check.

3. Give your children a set allowance for things like movies, CDs, snacks and toys instead of just giving them money on as needed basis. Giving children an allowance teaches them to make wise spending choices at an early age. A twelve year old who spends all of his allowance right away on CDs and then doesn't have enough money to go to the movies with his friends on the weekend has just learned a good lesson on the negative consequences of impulse spending.

4. Have a system in place for handling the mail. If you are not in the habit of misplacing bills or checks, good for you. Keep on using whatever system you have in place now. However, if losing track of bills is an issue at your house, it may help to have a designated mail drop box inside the house. Each family member should be instructed that whoever brings in the mail that day should always put the mail in the designated mail box for later sorting. Then the family member who has responsibility for sorting the mail should do so near the financial folders. That way checks get put right away in the check folder, bills in the bill folder, etc.

5. Avoid going to stores where you have had problems overspending in the past. Our neighbors stopped shopping at warehouse clubs and actually ended up saving money. They found they spent more money by not being able to resist all of the warehouse club bargains on products they really didn'...

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