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Seven Household Budgeting Tips Virginia Beach VA

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.

Marshall H. Groom, Jr.
Groom Financial Advisory
(804) 716-2100
4445 Corporation Lane, Suite 200
Virginia Beach, VA
Expertises
Ongoing Investment Management, Hourly Financial Planning Services, Retirement Planning & Distribution Rules, High Net Worth Client Needs, Estate & Generational Planning Issues, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, CFP®, JD

Jim Flinchum
Bay Capital Advisors, LLC
(757) 963-5699
2309 Mariner's Mark Way, Suite 401
Virginia Beach, VA
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, High Net Worth Client Needs, Hourly Financial Planning Services, Financial Issues Between Generations
Certifications
NAPFA Registered Financial Advisor, CFP®, CIMA

Robert Tull
Tull Financial Group, Inc.
(757) 436-1122
640 Independence Parkway, Suite 300
Chesapeake, VA
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, Planning Issues for Business Owners, Retirement Planning & Distribution Rules, Tax Planning, Insurance Related Issues, including Annuities
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Mr. Adam M. Steiner, CFP®
(757) 557-6902
295 Bendix Rd Ste 230
Virginia Beach, VA
Firm
Cape Financial, Inc.
Areas of Specialization
Comprehensive Financial Planning

Data Provided by:
Brian C Jones, CFP®
(757) 431-6319
208 Golden Oak Court
Virginia Beach, VA
Firm
Wells Fargo Advisors

Data Provided by:
William Edwards
Financial Management Consultants of Virginia
(757) 498-7028
249 Elon Court
Virginia Beach, VA
Expertises
Retirement Plan Investment Advice, Ongoing Investment Management, Cash Flow/Budgets/Credit Issues, Middle Income Client Needs, Tax Planning
Certifications
NAPFA Registered Financial Advisor, ChFc

Ron Pearson
Beach Financial Advisory Service
(757) 428-6634
6204 Ocean Front Avenue
Virginia Beach, VA
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Special Needs Planning
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, MA

Vivian Honeycutt CFP(R)
Honeycutt Financial Services, LLC
(757) 962-7522
676 Independence Pkwy #120
Chesapeake, VA
Expertises
Helping Clients Identify & Achieve Goals, Ongoing Investment Management, Planning Issues for Business Owners, Retirement Plan Investment Advice, Retirement Planning & Distribution Rules, High Net Worth Client Needs
Certifications
NAPFA Registered Financial Advisor, CFP®

Ms. Maria L Holtz, CFP®
(757) 431-6303
208 Golden Oak Ct Ste 300
Virginia Beach, VA
Firm
Wells Fargo Advisors, LLC

Data Provided by:
Mr. Christopher L. Holladay, CFP®
(757) 431-6311
208 Golden Oak Ct Ste 300
Virginia Beach, VA
Firm
Philleo & Holladay Wealth Management Group of Wells Fargo Advisors
Areas of Specialization
Asset Allocation, Business Succession Planning, Charitable Giving, Education Planning, Employee and Employer Plan Benefits, Insurance Planning, Investment Management

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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