| * On average women earn about 74 cents to
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| | bill to stockpile weekly (example:
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| a man's dollar.* Women pay $1.00 or $2.00
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| | stockpile a $10.00 bill every week)* Set
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| more than men to have a white, cotton
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| | aside a dollar a day* If a bill or
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| shirt dry cleaned.* In general, women are
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| | category in your budgeted expenses is
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| charged higher prices for used cars than
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| | less than what you have anticipated for
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| men.Knowing how to play the budgeting
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| | in any particular month, stockpile the
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| game is key to winning it! Neither age
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| | balance.Whatever you do just DO IT and if
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| nor budgeting experience matter, what
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| | you aren't already then start this week.
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| does matter is that you keep learning how
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| | Don't dip into it! It is for the utmost
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| to get the most for your money.As women
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| | emergency situation ONLY! Be committed to
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| we need to be smart spenders, learned
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| | putting it aside each and every week no
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| investors, and successful at saving. The
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| | matter what.Home:
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| fact is 85 out of every 100 U.S. women,
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| | Include mortgage, rent, property taxes,
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| 32 and older, will find themselves on
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| | and homeowners insurance
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| their own financially at some point.* 6
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| | here.Transportation:
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| of the 85 will never get married.* 33 out
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| | Car payments, gasoline, auto insurance,
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| of the 85 will see divorce.* 46 will
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| | repairs, maintenance, license fees,
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| outlive their mates.We must know more
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| | parking fees, mass transportation costs
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| about keeping and controlling our money.
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| | are all included in this
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| Taking the time to learn more now, may
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| | category.Groceries:
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| mean having more money later.Start by
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| | This will vary depending on the number
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| taking a good hard look at your current
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| | of people in your family. Figure about 5%
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| spending habits and work to establish a
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| | per each adult monthly. To see exactly
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| balanced budget. Good money management is
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| | how much you are spending on groceries,
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| spending what you have wisely.Putting a
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| | keep track of your receipts for one
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| budget together doesn't have to be a
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| | month. You can cut costs by utilizing
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| dreaded thing. You make the rules because
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| | grocery store ads and sales, creating a
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| it's your money! If you want a new
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| | weekly menu plan and sticking to it (base
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| wardrobe, budget for it. Want to take a
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| | your grocery list on your menu plan), use
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| vacation? Simply budget for it. You can
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| | coupons (most stores now offer double
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| have the things you want so long as you
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| | coupon value on certain days or up to a
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| budget for them. Remember budgeting is
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| | certain amount). Leave the kids and
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| simply a systematic way to control what
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| | husband home when doing the grocery
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| you spend, save money, and get yourself
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| | shopping. Men impulse buy far more than
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| out of debt!Here is a simple budget to
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| | women do and the kids will beg and plead
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| get you going. It is set up to budget
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| | for every new cereal or sugar concoction
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| monthly expenses as a percentage of what
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| | they see. Stick to your pre-written
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| your gross monthly income is.My
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| | grocery list. Also cutting down or out on
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| Budget:________% IRA/401K/403B/SEP
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| | restaurant dining, and eating home more
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| ________% Federal Taxes
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| | will save you a bundle (another way to
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| ________% Taxes (Other)
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| | stockpile money).Entertainment:
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| 0-10% Insurance
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| | Make budget cuts here if you go over
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| 25% Home
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| | budget in other areas. Try not to go over
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| 5-10% Additional Savings
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| | budget, don't depend on this to fall back
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| 5% or more Groceries (5% per person per
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| | on monthly.Clothing:
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| month)
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| | Shop sales, and try to stay away from
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| 5% Clothing
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| | the "latest fad" shopping. Shop the
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| 10% Utilities
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| | thrift stores too. Purchase winter
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| 10% Transportation
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| | clothes at the beginning of the spring
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| 0-5% Entertainment
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| | season when stores are trying to clear
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| 0-5% Household goods, appliances,
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| | out their inventories.Household:
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| repairs
| |
| | Repair work, cleaning supplies, laundry
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| 0-5% Miscellaneous
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| | detergent, light bulbs (all upkeep
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| _______% Liquid Emergency FundRemember,
| |
| | items). When you are under budget in this
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| this is just a guideline. Work with your
| |
| | category don't spend the excess, instead
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| family and budget, make any adjustments
| |
| | save it for unexpected household
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| you need to. If you find your figures
| |
| | repairs.Miscellaneous Items:
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| exceed the above guidelines by more than
| |
| | Anything that can't be easily allocated
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| 10%, that could possibly mean you are
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| | anywhere else. Examples are beauty/hair
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| spending too much. Customize your budget
| |
| | care, newspapers, magazines, gift items,
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| to fit your needs.IRA/401K/403B/SEP:
| |
| | etc. You may need to add categories for
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| Contribute to some sort of retirement
| |
| | child care expenses, school tuition,
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| plan. Money in the plan will not be taxed
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| | loans, charity/donations, and savings for
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| while it earns dividends, interest, or
| |
| | big purchase items.Don't forget to
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| capital gains. If you join via your
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| | include expenses that don't occur on a
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| employer, money is deducted from your
| |
| | monthly basis such as insurance (which
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| paycheck before you can spend it! Some
| |
| | may be quarterly). Divide the total
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| employers match a percentage of what you
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| | payment by twelve and put that amount
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| put into your plan. Yes, you can withdraw
| |
| | away monthly.Sticking to your budget.It
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| early if needed, there will be a
| |
| | is possible that your budget may not run
|
| financial penalty applied and you will
| |
| | as smooth as you hope at first, but DON'T
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| have to pay tax on your
| |
| | GIVE UP. You can revise and fine tune
|
| withdrawal.Insurance:
| |
| | YOUR budget. Here are a few tips:For the
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| Life, disability, medical, dental.
| |
| | first three months go on a trial and
|
| Insurance is designed to protect you
| |
| | error basis.Revise your budget when it
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| against loss of life, income or health.
| |
| | isn't working and start over fresh next
|
| Don't use insurance for your investment
| |
| | month.Have a monthly family meeting about
|
| needs because most likely you will end up
| |
| | the budget and discuss solutions to any
|
| paying far too much for the insurance.
| |
| | budget problems.Research budgeting via
|
| Keep them separate (insurance and
| |
| | your local library or the
|
| investments) to get the best
| |
| | internet.Remember, in order for your
|
| return.Savings:
| |
| | budget to work-you must work it. You must
|
| Be sure to pay YOURSELF first! Save as
| |
| | devote time to it and monitor/control it.
|
| much as you can. 5-10% is the guideline.
| |
| | Whether you prefer budgeting by hand or
|
| Save what you can save. Have a
| |
| | on your computer budgeting should not
|
| disciplined routine in place. Save at
| |
| | consume lots of time. Stick to a monthly
|
| least 6 months worth of living expense.
| |
| | monitoring plan and your budget will be a
|
| Some recommend putting this into an
| |
| | success.**********
|
| interest bearing checking, savings, or
| |
| | Lisa Fraley owns and operates Home Works
|
| money-market account.That is fine if that
| |
| | Natural Skin And Body Care.
|
| is what you want to do. It is MY opinion
| |
| | Natural skin care and body care products
|
| that we should also stockpile a liquid
| |
| | for natural you. Home Works also offers
|
| emergency fund. Something we can put our
| |
| | affiliate, wholesale, and drop ship
|
| hands on right away without having to
| |
| | programs.She is also an independent
|
| wait for any banking system to issue it
| |
| | representative for Global Domains
|
| to us. It can be kept hidden in our
| |
| | International. Global Domains
|
| homes, I suggest investing in a lockbox
| |
| | International offers website domains for
|
| (fire/waterproof box), or a small safe.
| |
| | life with a residual income to match. A
|
| Stockpile whatever money you can.Ways to
| |
| | free trial is available and you can begin
|
| stockpile money:* Round off your budget
| |
| | earning during the free trial period.Find
|
| items to the next highest dollar amount
| |
| | out how to build the team of your dreams
|
| and stockpile the change.* Pick a certain
| |
| | by taking her free e-course.
|
