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06-25-2007, 01:02 AM #1certifiedjunkfinderGuest
Article: Simple Household Budgeting Tips
Simple Household Budgeting Tips
By: Stefani Partin
Are you the head of the household of your family and need some tips
on making your life a little simpler? Those that work, take care of
the kids and pay the bills have a hard time keeping everything
organized. Below are some tips to help budget your household and some
maybe even have some fun doing it.
Keep your financial records current. Keep a filing system and create
folders for items such as receipts, tax returns, billing statements,
bank statements, credit reports, etc. Keep everything in one
designated place so it is easy to find when you need it. For your
mail, have one designated place to put it daily when you receive it.
Most all of us have misplaced our mail at one time in our life.
Misplaced mail could mean late payments, which means late charges.
Set a specific time of the day or week to handle all of your
bookkeeping and stick to it. When I speak of bookkeeping, I speak of
paying bills, filing bills, going through your mail, etc.
If you have online banking with your bank, set it up. I cannot tell
you how easy it is to pay my bills with my online banking. The day I
receive a bill in the mail, I will log into my bank account and
schedule the payment. The bank then sends the payment by mail or
electronically and has it paid on the date that I scheduled it to be
paid. This service is even free with my bank. It saves time writing
out checks and I also save on the postage.
Get your kids involved in your budgeting. Pay your children an
allowance. Have them use the allowance for things they want to buy
like candy, movies, toys, games, etc instead of just giving them
money when they need it. Having your children pay for their own stuff
with their own money will teach them at an early age how to spend
You can save hundreds of dollars per year shopping at the lower-
priced food stores. You might even save thousands depending on how
much your family spends and where you shop. Convenience stores will
most often charge high prices then compared to a grocery store. Don't
go to the store when you are hungry either, this will cause you to
buy more goodies then you would normally buy. Be wise and compare
price-per-ounce or other unit prices on shelf labels.
When setting your family budget, don't make your budget so tight that
it's impossible to keep. Set goals, short term and long term and try
your best to achieve them.
© 2006 Stefani Partin, a work at home mom of three from CA who owns a
network of sites for moms, blogs, a newsletter and more. Stefani
dedicates her time to helping moms find ways to make money at home.
11-24-2013, 08:38 PM #2
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