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Mark -   3:34 AM 0
Why Should I Make a Budget

You say you know where your money goes and you don't have to keep everything written down to keep it going? I issue this challenge to you. Keep track of all the pennies you spend for one month, and I mean every penny.

You'll be shocked by itty-bitty's added cost. Take the total amount of money you spent on just one unnecessary item per month and multiply it by 12 months a year. You could have saved interest and drawn interest in just five years.

It's precisely because we all need a budget, my friend. We can have financial success if we can control small expenses that don't really matter in all of our life's schemes. It really matters the stuff. Savings of $10 a week save $40 a month, $480 per year, $2400 per year, five years, + interest. Lunch is $5 a day to $3 a day in a 5-day work week every day. See what I mean, it's really the thing and you eat lunch every day and it was just one spot to save money in your everyday life without something you really need.

There are plenty of places to cut expenses when you look for them. Set certain long-term and short-term goals. There's no wrong answer here. If you care, this is an important time. If you want to be able to make an down payment on your home, start a university fund for your kids, buy a sports car, go on holidays in Aruba. This is your goal and your reason to get to grips with your financial situation now. 
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Mark -   3:34 AM 0
The Ultimate Financial Management Tool

A carpenter is using a number of plans to build a house. If he did not do the bathroom, it may well be overlooked.

Rocket scientists would never start building on a new booster rocket without detailed specifications. However, most of us are blindly entering the world without any idea of finances or plans.

Isn't that very clever of us?

A money plan is known as a budget, and it is important that we achieve the financial goals that we want. Without a plan, we drift into a distant financial reef without a direction. You should make this budget together if you have a spouse or a significant other. Come and find out what they are... In the long and short term, your common financial goals. Plan your path to achieve these goals. Every journey starts with one step, and both of you can live on a realistic budget as a first step towards achieving your goals. A financial hunger diet should never be a budget. That's not going to work for the long distance.

Make appropriate allocations for food, clothing, shelters, utilities and insurance and set a reasonable amount for possible luxury and entertainment. Savings should always come first before any expense. Saving even a small amount helps you achieve your long-term and short-term financial goals. There are numerous forms of online budgeting. Use any search engine and type it into "free budget forms." You'll get lots of hits. Print one and work with your wife or other. You both need to be satisfied with the final outcome and feel like you can stick to something. 
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Mark -   3:34 AM 0
Spend Wisely to Save Money

Have you ever noticed that there are several cents between shopping in food stores and hardware every week? Not by a lot. Just a little every week, but they're still fucking up and up.

It takes only a little increase in the price of gasoline in world affairs to jump up a lot on the wider world market. Somehow, by buying and selecting the best affordable products for our daily work while keeping them on the shelf in our homes and food shops, we can keep prices rising so much from affecting our personal finances. There is a way to prevent our personal finances from affecting these prices.

When you buy dog food and cat food, you can save about 10 percent less than, for example, if you buy it yourself, and you save much more while waiting for close prices. Set aside some room items and list items that are not regularly spoilage.

All grain or grain products must be stored in airtight containers that can not be taken into account by rats. Many purchases of items such as toiletries and dry foods and canned foods can be purchased to find the highest prices.

You're surprised to see how much you can save by buying a 20 pound rice bag compared to a single pound bag, but keep it in a rat proof container. Some clothes like male sockets and underwear are available because they aren't different styles because you don't buy clothes for kids and women.

Try shopping for two years and save hundreds of dollars for these items. 
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