• Budget Smart Girl's Guide

    Do’s and Don’ts of Smart Shopping-Part One

      Smart shopping takes planning, product knowledge, and patience. You can find everything you want for a good deal if you’re willing to save money and pay cash, take the time to do your research, and don’t get  sidetracked by sales. Read Reviews – No matter what you want to buy, someplace there are reviews and most are now online. If you don’t have a computer then head to the library. Avoid Impulse Buys – No matter what you do, it’s best to avoid impulse buys. If it’s not on your list as an item you need and you’ve thought about how to use, then don’t buy it. It’s hard…

  • Budget Smart Girl's Guide

    The Budget with the Healthy Outlook

      For some people, a healthy budget means reaching for their calculator at every purchase, or viewing the budget on their mobile device in the grocery store. For others, a budget is something they worked on but never look at it again. Having a budget can either mean having an obsessive adherence, or going crazy trying to keep track of all the details and finally giving up. Where’s the balance? How can you maintain a healthy outlook without obsessing or ignoring your budget? Here are some tips on how you can cultivate a healthy outlook regarding your budget. Flexibility For those who tend to err on the obsessive side, it’s…

  • Budget Smart Girl's Guide

    Saving Money – Make It a Part of Your Family’s Budget

      If you lost your job, would you have any savings to cover your living expenses? Have you ever wondered how some people manage to have a savings account with more than a few dollars in it? Maybe you’ve tried, and just don’t seem to have anything left over each month for savings. Financial experts across the board recommend having a savings account for emergency funds and yes, if you lose your job. So how do you go about it? Here are some tips for making saving money a part of your family’s budget. Try and Pay Yourself First One of the reasons many families feel they can’t afford to…

  • Budget Smart Girl's Guide

    How to Know When You Need a Budget?

      Do you really need a budget? Isn’t that just a boring list of numbers that means you never get to spend money on what you want? A budget is really just a way to take control of your finances. It doesn’t necessarily mean you can’t ever spend your money on what you want; it just means you spend your money smarter. In fact, if you’re always denying yourself and never buying anything you want for fear you can’t afford it, a budget could be liberating. Dealing with real numbers tends to be a lot less stressful than dealing with vague impressions of your income and expenses. So how do…