This article is for those families that have sat down at a desk or the kitchen table time after time trying to develop a family budget that they can live with. Why don’t they work?

Which category do you fall in? (1) Family 1 has all the money they need for necessities and more and manage it very well, (2) Family 2 has all the money they need for necessities and more but live payday to payday with ever increasing debt, or (3) Family 3 doesn’t have enough money even for necessities.

When I was younger and having all kinds of money problems, I asked myself this question a thousand times. It seemed like one day we were doing fine financially and the next, we owed everybody. How can it happen so quickly?

With all of the different items that the average individual or family spends money on, it can be difficult to keep it separated. You have to have money for groceries, car gas, school lunches, dining out and entertainment just to name a few.

It is extremely difficult to setup a budget, especially when you are behind on some of your bills. Even if you can make your regular bills and expenses fit neatly into your budget, what can you do if you don’t have the money to catch up?

If you are like most of us you have areas in your budget that could be trimmed by at least 20%. What about your grocery bill? Unless you are using every cost-cutting method available, then you could even beat that 20% on your food bill. Each area of your expenses has room to be trimmed. Let’s just briefly discuss a few:

Let’s talk about how much money you have to cover your household expenses after you pay all of those bills. Your household expenses would include your groceries, car gas, school lunches, and all of the other stuff that it takes to run a household. Do you have enough to pay this bill? All to often, people tend to…

I give this book my full recommendation! I’ve never seen a more detailed how-to book. If you have a credit card, you need this book!

You’ve heard it before. “You always have to pay your bills on time or it will hurt your credit rating”. The fact is that not paying your bills on time can also cost you a bunch of money. The last time I checked being late on a credit card payment can cost you as much as $29 each time. In some cases this is more than the payment.

Let’s face it. The day-to-day drudgery of trying to figure out how to best spend your money isn’t the most interesting aspect of our lives. Let me see if I can make the budget process a little more appealing to you.