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Mom needs help with Budgeting….?
Here is my problem, I feel like I am finding it hard to watch my spending, I dont even know where to start, especially when it comes to grocery shopping I find myself going to the store every day to buy more food or little items that I forgot for the meal, i am just so lost in how to save money on top of having a gas hog that I cant get rid of and high payments with bad credit that I cant even refinance. I just need help I want to save money and just dont know how, I cut out all my expenses like getting my nails done which was my only relaxing time, but still I am not saving could anyone please provide some advice or any websites that have like a budget calculator.
You and thousands of Americans have a similar problem, while budgeting is helpful it will not eliminate all of your financial problems. The first step is to find out what is causing you to spend so much. Take a look at your grocery bill, are there ways to cut on it?
First, here is a link to the Microsoft Template site
http://office.microsoft.com/en-us/templates/CT101172321033.aspx?av=ZXL000
Pick out a budget that you can use for you and your family. These are very user friendly and it will give you an idea of how much you can save.
Some things that you can do is cutting back on non essential items. For example, is coffee really necessary? Can you go to regular cable instead of premium?
Look for ways to cut your spending, try using store brand food instead of the brand name label. If you are buying food, try not to buy processed foods because they are much more expensive due to the cost of labor. Buy in bulk if you can, but also consume it so it doesn’t go to waste. If you are a member of Costco, Sam’s Club or BJ’s you can buy a lot of meat and a discount and freeze to use for later.
Take a look at what your children spend. Do they buy their clothes at department stores or do they buy them at cosignment?
You can also try www.clarkhoward.com Clark Howard is a consumer awareness radio host in Atlanta. He is very knowledgable when it comes to budgeting and keeping an eye out for scams.
Controlling your spending is difficult, but it is a life change and not a financial change.
Good luck
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