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tods5eshoes · Wysłany: Nie 14:53, 27 Mar 2011 Temat postu: fitch abercrombie 2516

Budgeting Guide for Managing Debt
Introduction - Learn How to Get and Stay Out of Debt
American culture is founded on consuming. Let��s face it,[link widoczny dla zalogowanych], we all buy things. Sometimes we have no choice (medical bills, education, housing, etc. ) and sometimes purchases are for things that we enjoy (vacations, dinners, movies, etc. ) Both expense groups are important and necessary. As long as you live in American society, you will always need to spend money and may need to get help with debt consolidation.
A Household Budget and You
A household budget can be the foundation to a strong financial game-plan. This personal financial strategy will be based on your personal and financial goals, and can help you get free of liabilities, accumulate assets, and enable you to use your positive cash flow and assets to build a positive net worth�� ultimately letting you meet your goals. A household budget is also the best way to break the cycle of debt that so many Americans are struggling with.
Establishing a Personal Household Budget
One of the first steps toward financial freedom is understanding how money is coming in and how much is going out of your bank account every month. The following Free Personal Household Budget guide will help you manage your money and cash flows. Use it to help you meet your personal financial goals.
Organize: To start, you'll need to get organized. First, label manila folders or envelopes as follows:
��ONGOING BILLS (Fixed Expenses)
��MUST BUYS (Variable Expenses)
��EXTRA CASH
��SAVINGS
ONGOING BILLS: These are bills that come in regularly every month �C rent, cable,[link widoczny dla zalogowanych], telephone, electricity, and water are examples of ongoing bills. These are also called ��fixed expenses�� because the amount is fixed and does not significantly vary month to month.
MUST BUYS: "Must Buys" are necessities that vary in cost from month-to-month. These include purchases such as food, gasoline, medicine, and entertainment expenses. To reiterate, they are ��variable expenses�� because they can fluctuate from month to month.
EXTRA CASH: This money is whatever cash is leftover from your paycheck after paying your ONGOING BILLS and MUST BUYS. Many people have no extra cash (or worse, negative extra cash). If your extra cash position is negative, you should seek immediate help in lowering your expenses,[link widoczny dla zalogowanych], raising your income, and getting out of debt. Bills. com can help you get out of debt fast.
SAVINGS: This folder is specifically intended for short-term savings. This slush fund is particularly helpful when an unexpected repair or medical bill occurs. The cash saved may also be used for the niceties of life such as going to the movies,[link widoczny dla zalogowanych], eating out, etc. This is how you will begin saving for a new outfit, the latest gadget, vacation, etc. Keep in mind that it is important to keep yourself happy with vacations and nice things �C just be sure to plan for these expenses within your personal household budget.
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