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Seven Household Budgeting Tips Bessemer AL

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.

Charles Haines
Kinsight, LLC
(205) 871-3334
600 University Park Place, Suite 501
Birmingham, AL
Expertises
Charitable Giving - Trusts & Foundations, Alternative or Private Investments, Estate & Generational Planning Issues, High Net Worth Client Needs, Ongoing Investment Management, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, MBA

Donna Gordon
Wesban Financial Consultants, P.C.
(205) 995-7778
1800 Providence Park, Suite 200
Birmingham, AL
Expertises
Helping Clients Identify & Achieve Goals, Ongoing Investment Management, Tax Planning, Cash Flow/Budgets/Credit Issues, Women's Financial Planning Issues, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®, RFP

Stewart Welch
The Welch Group, LLC
(205) 879-5001
3940 Montclair Road, 5th Floor
Birmingham, AL
Expertises
Ongoing Investment Management, Planning Issues for Business Owners, Estate & Generational Planning Issues, Advising Medical Professionals, Retirement Planning & Distribution Rules, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, ChFc, CLU

Gary Clark
Clark Planning & Investment Advisory
(205) 981-1120
1900 Providence Park, Suite 200
Birmingham, AL
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Tax Planning, Retirement Plan Investment Advice, Planning Issues for Business Owners, Middle Income Client Needs
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, ChFc, CPA/PFS

Mr. Scott D. Cole, CFP®
(205) 477-5118
6239 Letson Farms Dr
Bessemer, AL
Firm
Cole Financial Planning
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Divorce Issues, Employee and Employer Plan Benefits, Investment Management, Investment Planning, Retirement Income Management
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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



Data Provided by:
B. Alan Gaylor
Alder Financial Group
(205) 988-5881
924 Riverchase Pkwy West
Birmingham, AL
Expertises
Retirement Plan Investment Advice, Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Planning Issues for Business Owners, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Bryan Hancock
Timberchase Financial, LLC
(205) 980-7118
1211 Edenton Street
Birmingham, AL
Expertises
Advising Medical Professionals, High Net Worth Client Needs, Retirement Planning & Distribution Rules, Tax Planning, Planning Issues for Business Owners, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, CFP®, ChFc, MBA

Eric McClain
Wesban Financial Consultants, P.C.
(205) 995-7778
1800 Providence Park, Suite 200
Birmingham, AL
Expertises
Ongoing Investment Management, Planning Issues for Business Owners, Retirement Planning & Distribution Rules, Helping Clients Identify & Achieve Goals, Estate & Generational Planning Issues, High Net Worth Client Needs
Certifications
NAPFA Registered Financial Advisor, CFP®

Mr. Kurt R Britnell, CFP®
3603 Pine Ln SE Ste C
Bessemer, AL
Firm
Security Financial Advisors

Data Provided by:
Mr. Benjamin L. Crawford Iv, CFP®
(205) 601-2620
3745 James Hill Terrace
Birmingham, AL
Firm
Principal Financial Group, Inc.
Areas of Specialization
Insurance Planning
Key Considerations
Average Net Worth: $250,001 - $500,000

Average Income: $100,001 - $250,000

Profession: Self-Employed Business Owners

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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