Seven Household Budgeting Tips Denver CO
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.
David Gardner
Yellowstone Financial Inc.
303-449-5552
1616 17th Street, Suite #600
Denver, CO
David Gardner
Yellowstone Financial Inc.
303-449-5552
1616 17th Street, Suite #600
Denver, CO 80202
Expertises
Ongoing Investment Management, Tax Planning, Planning Issues for Business Owners, Advising Medical Professionals, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®, MS
Data Provided by:
Gary Nearpass
Nearpass Financial Counseling, Inc.
303-733-0354
44 Cook St., Suite 100
Denver, CO
Gary Nearpass
Nearpass Financial Counseling, Inc.
303-733-0354
44 Cook St., Suite 100
Denver, CO 80206
Expertises
Hourly Financial Planning Services, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Middle Income Client Needs, Newlyweds & Novice Investors
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CRPC, MA, MS, PhD
Data Provided by:
Gary Nearpass
Nearpass Financial Counseling, Inc.
(303) 733-0354
460 S. Marion Parkway #303-C
Denver, CO
Gary Nearpass
Nearpass Financial Counseling, Inc.
(303) 733-0354
460 S. Marion Parkway #303-C
Denver, CO 80209
Expertises
Hourly Financial Planning Services, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Middle Income Client Needs, Newlyweds & Novice Investors
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CRPC, MA, MS, PhD
Data Provided by:
James Williams
J.F. Williams Co., Inc.
(303) 753-4506
950 S. Cherry Street, Suite 414
Denver, CO
James Williams
J.F. Williams Co., Inc.
(303) 753-4506
950 S. Cherry Street, Suite 414
Denver, CO 80246
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CPA, MS
Data Provided by:
Robert Zimberg
Financial Mountain Inc.
(303) 442-4390
5335 West 48th Avenue, Suite 100
Denver, CO
Robert Zimberg
Financial Mountain Inc.
(303) 442-4390
5335 West 48th Avenue, Suite 100
Denver, CO 80212
Expertises
Helping Clients Identify & Achieve Goals, Ongoing Investment Management, Alternative or Private Investments, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Special Needs Planning
Certifications
NAPFA Registered Financial Advisor, CCPS, CFP®
Data Provided by:
Alexander Feick
Paragon Capital Management, Ltd.
(303) 296-1458
999 18th Street, Suite 1220
Denver, CO
Alexander Feick
Paragon Capital Management, Ltd.
(303) 296-1458
999 18th Street, Suite 1220
Denver, CO 80202
Expertises
Charitable Giving - Trusts & Foundations, Planning Concerns for Corporate Executives, Advising Employee Benefit Plan Participants, Ongoing Investment Management, High Net Worth Client Needs, Tax Planning
Certifications
NAPFA Registered Financial Advisor, BA, BS, MBA
Data Provided by:
Matthew Kelley
Gold Medal Waters, Inc.
(720) 887-1299
1624 Market Street
Denver, CO
Matthew Kelley
Gold Medal Waters, Inc.
(720) 887-1299
1624 Market Street
Denver, CO 80202
Expertises
High Net Worth Client Needs, Advising Entrepreneurs, Ongoing Investment Management, Charitable Giving - Trusts & Foundations, Socially Responsible Investments, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, AAMS, AIF, CFP®
Data Provided by:
Kimberly Curtis
Wealth Legacy Institute, Inc.
(303) 753-7578
950 South Cherry Street, Suite 505
Denver, CO
Kimberly Curtis
Wealth Legacy Institute, Inc.
(303) 753-7578
950 South Cherry Street, Suite 505
Denver, CO 80246
Expertises
Women's Financial Planning Issues, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Ongoing Investment Management, Divorce Planning, Planning Issues for Unmarried & Same-Sex Couples
Certifications
NAPFA Registered Financial Advisor, AEP, CAP, CFP®, ChFc, CLU, MSFS
Data Provided by:
Eileen Sharkey
Sharkey, Howes, & Javer, Inc.
(303) 639-5100
720 South Colorado Blvd., South Tower, Suite 600
Denver, CO
Eileen Sharkey
Sharkey, Howes, & Javer, Inc.
(303) 639-5100
720 South Colorado Blvd., South Tower, Suite 600
Denver, CO 80222
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Financial Issues Between Generations, Retirement Planning & Distribution Rules, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BA, CFP®
Data Provided by:
Paul Staib
Staib Financial Planning, LLC
303/346-5336
2 West Dry Creek Circle
Littleton, CO
Paul Staib
Staib Financial Planning, LLC
303/346-5336
2 West Dry Creek Circle
Littleton, CO 80120
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, College/Education Planning, Middle Income Client Needs, Hourly Financial Planning Services, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, MBA
Data Provided by:
Data Provided by:
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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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