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"Getting money is like digging with a needle;
spending it is like water soaking into sand."

Japanese Proverb






Home Budgeting Tips

Articles in This Section:

  • Creating a Household Budget - Having a written budget is essential to getting your finances under control. If you do not have a written budget it is hard to know if you are living within your means and saving enough money for your long term goals.

  • Budget Worksheet - Use this worksheet to create your own home budget sorted by income and expense categories.

  • Reasons to Save Money - Unless you have written savings goals, it is often tempting to spend money on purchases that give immediate gratification instead of long term rewards. Being skilled at managing money often requires goal setting as well as long term planning and saving.

  • Common Reasons People Overspend - Spending too much time at the stores, poor record keeping and poor money management skills are among the many factors that cause people to spend more than they earn.

    husband and wife paying bills with calculator   If you can, you will quickly find that the greatest rate of return you will earn is on your own personal spending. Being a smart shopper is the first step to getting rich. ~ Mark Cuban


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