Having trouble finding enough money to pay for gifts whis year, especially in this economy? One of the nice things about having a budget is you can start planning these expenses you know are comming around. Christmas, birthdays, car maintnance, taxes....the list goes on.
2009 is fast approaching,why not start you budget for this next year. Instead of searching for $1,000 around the holiday season, why not have a christmas catagory in your budget. I would imagine it would be a whole lot easier finding 1/12 of $1,000 instead of finding it all at once. If you havnt ever had a budget, make this next year the year YOU are going to take control of your finances!
I designate one day a week to take all the reciepts I had collected during the week and record them in my budget. Then I know exactly where my money is going and how much I have left to spend in each catagory. This has been extremely useful in paying down our credit cards. If you need a budget HERE is a great downloadable budget you can start with. Remember it takes a few months to see where all your money is going and where you can cut back on. But once you get rolling, you are on your way to FINANCIAL FREEDOM!!!
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