Seven Household Budgeting Tips Sun City West AZ
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 Fernandez
Wealth Engineering, LLC
480-296-2042
20325 N. 51st Avenue, Suite 134 (bldg 5)
Glendale, AZ
David Fernandez
Wealth Engineering, LLC
480-296-2042
20325 N. 51st Avenue, Suite 134 (bldg 5)
Glendale, AZ 85308
Expertises
Ongoing Investment Management, Cash Flow/Budgets/Credit Issues, Retirement Planning & Distribution Rules, High Net Worth Client Needs, College/Education Planning, Estate & Generational Planning Issues
Certifications
NAPFA Registered Financial Advisor, BS, CFP®
Data Provided by:
Robert Burger
Perspective Financial Services, LLC
(602) 635-1313 or 235-0336
1440 E. Missouri Avenue, Suite 250
Phoenix, AZ
Robert Burger
Perspective Financial Services, LLC
(602) 635-1313 or 235-0336
1440 E. Missouri Avenue, Suite 250
Phoenix, AZ 85014
Expertises
Helping Clients Identify & Achieve Goals, Retirement Plan Investment Advice, Hourly Financial Planning Services, Ongoing Investment Management, Middle Income Client Needs, Divorce Planning
Certifications
NAPFA Registered Financial Advisor, CDFA, CFP®
Data Provided by:
Chase Bank
(602) 589-3820
13501 Camino Del Sol
Sun City West, AZ
Chase Bank
(602) 589-3820
13501 Camino Del Sol
Sun City West, AZ 85375
Office Hours
Mon:7:30-5:00
Tues:7:30-5:00
Wed:7:30-5:00
Thurs:7:30-5:00
Fri:7:30-5:00
Sat:8:00-2:00
Sun:closed
Bank of America - R H Johnson Blvd
623.975.3602
19022 R H Johnson Blvd
Sun City West, AZ
Bank of America - R H Johnson Blvd
623.975.3602
19022 R H Johnson Blvd
Sun City West, AZ 85375
Services
Banking Center Services: Commercial Deposits, Night Deposits, Drive Up
Outdoor ATM Services: Open 24 Hours, Talking ATM, Braille, Accepts Deposits, Multi-Check Deposit, Drive Up, Deposit Image
Languages
English, Spanish, Chinese, Korean, French, Russian, Portuguese
Office Hours
Monday 9-5
Tuesday 9-5
Wednesday 9-5
Thursday 9-5
Friday 9-6
Saturday 9-1
Sunday Closed
Drive Up Hours
Monday 9-5
Tuesday 9-5
Wednesday 9-5
Thursday 9-5
Friday 9-6
Saturday 9-1
Sunday Closed
Chase Bank
(623) 546-1041
13864 W Bell Rd
Surprise, AZ
Chase Bank
(623) 546-1041
13864 W Bell Rd
Surprise, AZ 85374
Office Hours
Mon:8:00-6:00
Tues:8:00-6:00
Wed:8:00-6:00
Thurs:8:00-6:00
Fri:8:00-6:00
Sat:9:00-2:00
Sun:closed
Matthew Murphy
Murphy Capital Advisors, LLC
(623) 872-3333
6751 N. Sunset Blvd.
Glendale, AZ
Matthew Murphy
Murphy Capital Advisors, LLC
(623) 872-3333
6751 N. Sunset Blvd.
Glendale, AZ 85305
Expertises
Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, CFP®
Data Provided by:
Michael Larriva
Perspective Financial Services, LLC
(602) 635-1313 or 235-0336
1440 E. Missouri Avenue, Suite 250
Phoenix, AZ
Michael Larriva
Perspective Financial Services, LLC
(602) 635-1313 or 235-0336
1440 E. Missouri Avenue, Suite 250
Phoenix, AZ 85014
Expertises
Retirement Planning & Distribution Rules, Helping Clients Identify & Achieve Goals, Planning Concerns for Corporate Executives, Advising Medical Professionals, Planning Issues for Business Owners, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BS, CFP®
Data Provided by:
Wells Fargo - Sundome Plaza
623-584-1278
13551 W Camino Del Sol
Sun City West, AZ
Wells Fargo - Sundome Plaza
623-584-1278
13551 W Camino Del Sol
Sun City West, AZ 85375
Office Hours
Mon-Thu 09:00 AM-05:00 PM
Fri 09:00 AM-06:00 PM
Sat 09:00 AM-01:00 PM
Sun Closed
Wells Fargo - Sun City West
623-876-5961
19002 Rh Johnson Blvd
Sun City, AZ
Wells Fargo - Sun City West
623-876-5961
19002 Rh Johnson Blvd
Sun City, AZ 85375
Office Hours
Mon-Fri 08:00 AM-05:00 PM
Sat 08:00 AM-03:00 PM
Sun Closed
US Bank - Cotton AZ Safeway Office
(623) 556-0853
17049 W Bell Rd
Surprise, AZ
US Bank - Cotton AZ Safeway Office
(623) 556-0853
17049 W Bell Rd
Surprise, AZ 85374
Data Provided by:
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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