And I include some in my book “ Personal Money Management.” There are hundreds of ideas on the internet. Of course, that advice is much easier to give than to follow through with.įor example, trimming expenses isn’t hard. Your new budget should include money for savings: emergency fund, paying down debt, or retirement.
The only thing at end of the road of spending more than making on a long-term is bankruptcy. If this is occurring, serious, serious changes need to occur. You should NOT be spending more than you are making.Make a budget based on BOTH what you normally spend and what you SHOULD be spending.Figure out how much you’re spending (track expenses).One of the thing that I was amazed at- both when I was learning and when I was teaching others- is the lack of basic knowledge.īut when I started reading financial books, I kept reading the same advice again and again. These free budgeting printables were very popular with them. Homeless women- on limited income- could still take control of their finances. Each week we did a self-sufficiency class. The printables were originally developed for a class I taught. Not only have I learned a lot from my own personal finances, I used to volunteer at a homeless shelter. Mother’s, Father’s, Grandparent’s Day, Etc.
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