Going Green - What You Can Do

Text-only Preview

Make Your Money Go Further With These Budgeting Tips

Budgeting is a great tool for anyone who has trouble tracking their daily, weekly or monthly
expenses. Life is getting more and more complicated, and it's easy to lose track of all the bills,
expenses and random purchases that drain your bank account. Use the following financial tips to
regain control of your money.

For some people, the best way to manage a budget is by using a spreadsheet program. There are
plenty of programs out there that you can use to help you better track all of the money you make
and spend. However, not everyone is that technologically oriented, and you can do the same thing
with a notebook and pen, perhaps with the help of a calculator. The point is to set up a budget
where you can actually see what's going on, down to the last dollar. The first step to taking control
of your budget is to keep it in one place.

Clothing is an essential expense that you can often save considerably on if you go about it the
right way. Most of the time the only difference between an expensive piece of designer clothing
and something less expensive is the label and you can save lots of money by buying cheaper
brands. It is also possible to save money by buying clothing off season.

Many stores will heavily discount items that will soon be obsolete that year. For example, the best
time to purchase a winter coat is at the beginning of the spring. It is also a good idea to save
money by purchasing used (but in good shape) clothing at yard sales, online or at thrift stores.

One thing you can do to make it easier to budget is to reduce at least one bad habit for every
member of your household. A lot of the bad habits like indulging in junk food, drinking lots of
alcohol or having a pack a day smoking habit can be quite expensive. Aside from this, some
people spend money on lottery tickets, bingo or trips to the casino, which is seldom good for your
budget. If you have an addiction to any of these things it is time to seek professional help but if
they are within your control, if you really want to save money, you need to cut way back on them.
Perfection isn't the goal but if you do regularly buy these kinds of things they can really hurt your
budget and not offer you much for your troubles. Why not kill two birds with one stone by stopping
the money sucking habits?

Setting up your budget will probably seem hard at first but you'll get used to it in no time. Lots of
the new habits that you are going to be forced to develop will end up being a lot more enjoyable
than your old ones. Lots of people find that just making their lives simpler provides them with
higher levels of satisfaction than simply spending money without thought. If you put the budgeting
tips in this article to use it won't be long before you discover a real difference in your financial

Environmentally Friendly