Cars break down, pipes wear out and break, and kids get sick. Don’t forget to build an emergency fund to pay for these unexpected events.
|
|
||||
|
Cars break down, pipes wear out and break, and kids get sick. Don’t forget to build an emergency fund to pay for these unexpected events. If your children will need Valentine’s Day cards for the entire class, pick them up at a dollar store. After figuring out how much you have to budget, you need to spend every dollar on paper and give it a purpose before it even makes it into your checking account. If your down payment was less than 20%, you are probably paying PMI. Once you pass 20% contact your mortgage company to remove PMI. When beginning a budget don’t budget for “the perfect month”, use your monthly average over the past year. Budget should reflect what is happening currently. When establishing a budget get the whole picture. Start by collecting all checking account and credit card statements for the last year. Send away for and follow up on rebates. After you buy a product with a rebate, send in the form that day. Then mark your calendar to remind yourself to follow as necessary. When putting together a budget the best way to get started is to put together a very basic list of your monthly income (paycheck) and expenses. Just give it your best guess. Compact fluorescent bulb uses about 75% less electricity, but the most energy-saving bulb of all is one that’s turned off |
||||
|
Copyright © 2024 Toddler Tip of the Day - All Rights Reserved Powered by WordPress & Atahualpa |
||||