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Seven Household Budgeting Tips Bangor ME

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.

Abigail Pons
Capella Financial Services, LLC
(207) 370-4269
27 State Street, #32
Bangor, ME
Expertises
Socially Responsible Investments, Hourly Financial Planning Services, Middle Income Client Needs, Investment Advice without Ongoing Management, Retirement Plan Investment Advice, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Mr. Vance B. Gray Jr., CFP®
(207) 992-2819
128 Broadway
Bangor, ME
Firm
Vance Gray Wealth Mgmt, Inc.
Areas of Specialization
Wealth Management
Key Considerations
Average Net Worth: $500,001 - $1,000,000

Average Income: $50,001 - $100,000

Profession: Self-Employed Business Owners

Data Provided by:
Ms. Jean Marguerite Deighan, CFP®
(207) 990-1117
455 Harlow St
Bangor, ME
Firm
Deighan Wealth Advisors

Data Provided by:
Mr. Ronald L. Albrecht, CFP®
(207) 356-9830
98 Judson Blvd
Bangor, ME
Firm
Albrecht Financial Services PA

Data Provided by:
Mrs. Racquel H Tibbetts, CFP®
(207) 262-5713
23 Water Street
Bangor, ME
Firm
KeyBank, N.A.
Areas of Specialization
Investment Management

Data Provided by:
Mr. James A. Macleod, CFP®
(207) 262-4992
99 Franklin Street
Bangor, ME
Firm
Bangor Savings Bank

Data Provided by:
Mr. Donald C. Hagstrom, CFP®
(207) 942-2367
105 Main Street
Bangor, ME
Firm
Ameriprise Financial

Data Provided by:
Ms. Durell Buzzini, CFP®
(207) 947-4543
One Merchants Plaza, 3rd floor
Bangor, ME
Firm
UBS Financial Services, Inc.

Data Provided by:
Mr. James E. Bradley, CFP®
(207) 990-1901
9 May St
Bangor, ME
Firm
Bradley & Johndrow, LLC

Data Provided by:
Mrs. Patricia Dawn Freiwald, CFP®
(207) 974-4153
871 Hammond St
Bangor, ME
Firm
BANGOR SAVINGS BANK
Areas of Specialization
Employee and Employer Plan Benefits, General Financial Planning, Investment Management, Retirement Planning, Risk Management, Wealth Management
Key Considerations
Average Net Worth: $250,001 - $500,000

Average Income: $50,001 - $100,000

Profession: Service Professionals

Data Provided by:
Data Provided by:

Seven Household Budgeting Tips

Provided By: 

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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