Seven Household Budgeting Tips Washington DC
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.
Thomas Conway
Connemara Fee Only Planning, LLC
(301) 998-6595
1300 Pennsylvania Avenue, NW - 7th Floor
Washington, DC
Thomas Conway
Connemara Fee Only Planning, LLC
(301) 998-6595
1300 Pennsylvania Avenue, NW - 7th Floor
Washington, DC 20004
Expertises
Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Investment Advice without Ongoing Management, Estate & Generational Planning Issues, Planning Issues for Business Owners, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, CFP®, JD
Data Provided by:
James Ludwick
MainStreet Financial Planning, Inc.
(202) 448-9032
1425 K St. NW, Suite 350
Washington, DC
James Ludwick
MainStreet Financial Planning, Inc.
(202) 448-9032
1425 K St. NW, Suite 350
Washington, DC 20005
Expertises
Cash Flow/Budgets/Credit Issues, Middle Income Client Needs, Real Estate Investments, Retirement Planning & Distribution Rules, Planning Issues for Unmarried & Same-Sex Couples
Certifications
NAPFA Registered Financial Advisor, CFP®
Data Provided by:
Lisa Kirchenbauer
Omega Wealth Management, LLC
(703) 387-0919
200 North Glebe Road, Suite 812
Arlington, VA
Lisa Kirchenbauer
Omega Wealth Management, LLC
(703) 387-0919
200 North Glebe Road, Suite 812
Arlington, VA 22203
Expertises
Retirement Plan Investment Advice, Advising Entrepreneurs, Women's Financial Planning Issues, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, CFP®
Data Provided by:
Timothy Wesling
Wesling Financial Planning Services Corp.
(703) 535-8280
101 N. Columbus Street, Suite 402
Alexandria, VA
Timothy Wesling
Wesling Financial Planning Services Corp.
(703) 535-8280
101 N. Columbus Street, Suite 402
Alexandria, VA 22314
Expertises
Retirement Planning & Distribution Rules, Helping Clients Identify & Achieve Goals, Ongoing Investment Management, Estate & Generational Planning Issues, Divorce Planning
Certifications
NAPFA Registered Financial Advisor, AIF, CDFA, CFP®, CMFC
Data Provided by:
Carolyn Walder
Lifetime Wealth Planning and Management LLC
(703) 519-1254
211 North Union Street, Suite 100
Alexandria, VA
Carolyn Walder
Lifetime Wealth Planning and Management LLC
(703) 519-1254
211 North Union Street, Suite 100
Alexandria, VA 22314
Expertises
Ongoing Investment Management, Financial Issues Between Generations, Retirement Planning & Distribution Rules, Women's Financial Planning Issues, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®
Data Provided by:
Jeffrey Zures
Sanchez & Zures, LLC
(703) 349-0330
700 12th Street, NW, Suite 700
Washington, DC
Jeffrey Zures
Sanchez & Zures, LLC
(703) 349-0330
700 12th Street, NW, Suite 700
Washington, DC 20006
Expertises
Retirement Planning & Distribution Rules, Ongoing Investment Management, College/Education Planning, Middle Income Client Needs, Estate & Generational Planning Issues, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA
Data Provided by:
Claire Emory
Clarity Financial Planning
(703) 465-5116
1655 Fort Myer Drive, Suite 700
Arlington, VA
Claire Emory
Clarity Financial Planning
(703) 465-5116
1655 Fort Myer Drive, Suite 700
Arlington, VA 22209
Expertises
Helping Clients Identify & Achieve Goals, Middle Income Client Needs, Women's Financial Planning Issues, Retirement Plan Investment Advice, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, CFA, CFP®, MA, MBA
Data Provided by:
Christopher Rhim
Green View Advisors
(301) 655-4970
5335 Wisconsin Avenue NW, Suite 920
Washington, DC
Christopher Rhim
Green View Advisors
(301) 655-4970
5335 Wisconsin Avenue NW, Suite 920
Washington, DC 20015
Expertises
Ongoing Investment Management, Divorce Planning, Hourly Financial Planning Services, Retirement Plan Investment Advice, Advising Employee Benefit Plan Participants, High Net Worth Client Needs
Certifications
NAPFA Registered Financial Advisor, CDFA, CFP®
Data Provided by:
Paul Cocozza
Cocozza Financial Planning, Ltd.
(703) 276-1243
3400 21st Avenue North
Arlington, VA
Paul Cocozza
Cocozza Financial Planning, Ltd.
(703) 276-1243
3400 21st Avenue North
Arlington, VA 22207
Expertises
Retirement Planning & Distribution Rules, Ongoing Investment Management, Cash Flow/Budgets/Credit Issues, Tax Planning, Real Estate Investments
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA
Data Provided by:
Carolyn Walder
Lifetime Wealth Planning and Management LLC
703-519-1254
120 Waterfront Street, Suite 410
National Harbor, MD
Carolyn Walder
Lifetime Wealth Planning and Management LLC
703-519-1254
120 Waterfront Street, Suite 410
National Harbor, MD 20745
Expertises
Ongoing Investment Management, Financial Issues Between Generations, Retirement Planning & Distribution Rules, Women's Financial Planning Issues, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®
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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