monthly budget

When creating a monthly budget, consider irregular or “unexpected” expenses. Eventually, you will need that oil change or the kids will need new winter clothing; if you are prepared for unexpected expenses you will be able to handle them when the time comes without relying on credit – a healthy budget is a budget that [...]

Today’s Tip: Treat your household budget like a strict financial advisor.
If you need to make a purchase of more than $10, consult your budget and see if it will give you permission to make that purchase before you actually make it. If its not convenient to consult your budget, delay the purchase until you can [...]

My name is Douglas Hoyes, and I am a bankruptcy trustee. My job is to help people deal with their debts. The first step in solving your money problems is to figure out where you are at: you need to make a list of what comes in and what goes out every month.
Many people I [...]