Reduce Spending

Saving money is a must in the bad economy. In this article I will give you advice on saving money.

Reduce spending and expenses to become a one income. Accurately assessing debt to income ratios, determining necessary expenses and frivolous spending, and tracking monthly spending are the three main steps.

Knowing your finances, understanding your financial situation and how to use your money to your advantage are the primary steps for your Road Out of Debt.

Since starting my monthly budget, I have found that keeping track of spending is the most challenging part of the process. It is too easy to lose a receipt or forget to write something down. I have found several tips that are helping me track spending.

I compared my spending against those in my income bracket ($60,000 a year) and what I found might shock you, because I'm saving $20,000 a year -- and you can too.

After tracking my emotional spending, I realized I was paying top dollar when I was feeling down. Why shopping and sadness don't mix.

With world debt in the spotlight, governments around the world are trying to fix up their finances. We can all learn from their methods and save money at the same time

I'd rather work overtime and be able to afford my designer purse rather than cut expenses and live the frugal lifestyle. Whether we earn more or spend less, it's still about living below one's means.

Uncontrolled debt is ruining our government and individual consumers. We must get it under control.

Being financially independent and achieving financial goals call for outlining a personal budget and sticking with this budget.

Oprah's Debt Diet

Money can be a factor that tends to either unite couples or separate them. Determining how to spend and save money can have a big impact on the marriage.

Learn how to recognize you have a spending problem and what you can do to solve it.

Fifteen practical tips are offered in order to take financial inventory in the midst of this unstable economy.

We've all heard the phrase, 'œI can do anything if I put my mind to it!' Well saving money is no different. Regardless of your income, you can save money but it takes discipline! You have to make a firm decision to save and stick to it!

poetry

My wife and I began our lives in debt. It took a number of years, and we still have more to accomplish, but we are now much better off financially.

If anybody in Washington wants to be taken seriously, they should begin by being honest with Americans, and by having the courage to face difficult challenges. Is cutting spending easy? No.

How to make credit card debt just a distant memory.

Adults would make better choices financially if they were trained from their youth. This outlines various ways to train your kids financially.

I will admit that my first response to an adult allowance was not positive either; however, when I thought about the advantages of an adult allowance it made perfect sense to include this in our monthly personal budget.

Struggling with debt? Many Americans are and here a few common sense tips to help you get out from under your debt.

Most people put off doing a budget. Eventually you will have to or your finances will be out of control.

This is a poem about striving and working towards a certain place in time, and then staying there as long as possible.

Never before have so many argued about so little out of so much. Nothing real is being done about this country's budget problems!

Many Americans find themselves in a situation of mounting debt, no cash reserves, cannot find away to save for the future, and are living paycheck to paycheck. All you need to know about planning, budgeting and getting ahead!

States with the highest debt are debating cutting entitlement programs, closing fire stations and raising taxes. Massive budget shortfalls in 2012 are causing concern for state lawmakers.

This is about time and perfect love in a poem.

When it comes to money, most people do not want to talk about it. However, talking about it is the only way to avoid failure, no matter how much or how little you have.

Rep. Paul Ryan delivered the official Republican Party response to President Obama's State of the Union address. His speech outlined basics that, in long format, would cut spending while managing to increase the deficit.

Reducing your household spending together with stretching your grocery and food budget to live a wealthier life.

Creating a household budget is more important than ever. However, keeping within that budget is also necessary if you are going to achieve your financial goals. Here are five simple tips that will make it easier to do just that.