• Saving Money on Your Christmas Gift Shopping

    Saving Money on Your Christmas Gift Shopping

    Saving Money on Your Christmas Gift Shopping ‘Tis the season to give gifts! Most people have big hearts and are givers. They love to bring a smile to others by handing them a gift. They give to their coworkers, their bosses, their friends, family and often, even to complete strangers. Giving is one of the reasons that the Christmas holidays can be one of the cheeriest times of the year. There’s just a different spirit in the air. But that natural desire to give can have some not-so-fun consequences if you love to give – but your budget doesn’t support that. While you might enjoy bringing some holiday cheer to…

  • The Budget Kit: Common Cents Money Management

    Household Budgeting Basics Creating a household budget will help you to stay on track and make sure you have enough money each month to pay your bills and have money for anything extra that may come up. Here are some household budgeting basics to help you get started. Use the computer to create a spreadsheet that will hold all of your information. You’ll need to include your income, your monthly expenses, yearly expenses, and room for anything else that may come up. These would include vehicle repairs, school costs, going out to the movies, and other things along those lines.   1. Income The first thing on your spreadsheet would…

  • The Family Budget And Gaining Control of Your Personal Finances

    Getting the Family Involved with Budgeting A lot of times when your family isn’t involved with budgeting your finances they don’t understand when times are tight. They don’t understand when you have a lot of bills due and you can’t afford to go out to eat or buy the cool clothes at the department store. When they think money grows on trees and going out to eat every night is an option, it’s time to get them involved.   One thing that’s important to know when you decide the family needs to be involved with your budget is that you can’t be embarrassed about anything. You need to be honest with…

  • Save Money during your Vacation

    Save Money during your Vacation Vacations can be expensive, especially those that involve flying. Because of the major outlay of cash that is required to travel these days, you must make sure that you do whatever you can to save money during your trip. This is a lot easier than most people make it out to be. Many of the best ways to save money during a vacation come down to simple common sense. If you plan out a budgetary strategy prior to your trip and stick to it, you will come home with much more money in your bank account. Affordable hotels in Orlando can be found by searching…

  • create a cash cushion

    How to Create a Cash Cushion

    How to Create a Cash Cushion For many of us, the idea of saving in any way, shape, or form is a daunting thought, at best. Most folks are looking for more creative ways make more money, and saving is not on the average person’s mind. However, creating a saving mindest is key to creating a cash cushion in the first place. It’s All about Me – Pay Yourself First One of the oldest tricks in the books to create a cash cushion is to pay yourself first and leave everything else to fall in place thereafter. By setting aside a small amount of money each pay period and doing…

  • What To Do Before Seeking Professional Money Help

    Going to a debt consolidation agency should be avoided if at all possible. Millions of people all around the world who were in debt manage to climb out of debt – without the help of such agencies. Here are some techniques you can and should try before resorting to debt consolidation.   Cut Up Your Credit Cards Before you embark on any journey to reduce your debt, you need to first stop adding to your debt. From this point on, commit to not spending any money you haven’t already made. Cut up all of your credit cards. If you really must keep one card just in case an emergency comes…