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MAKING YOUR BUDGET WORK

Published by sam - 11/10/07 - 02:10:24 am

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Here are some tips that should make budgeting easier:

• Invest “extra” paychecks.  If you budget on four weekly paychecks per month, every thirteenth paycheck is an extra.  If you are paid biweekly, there’s an extra check every quarter.  But do not treat this “extra” money as a windfall; either include it in your regular budget or invest it.
• Make impulse buying difficult.  Start leaving your checkbook or credit cards at home.  Deposit savings in a bank that’s hard to reach.
• Pay bills when due—not before.  To make the most of a minimum balance, write out the bill as soon as it comes in, but don’t mail it until its due.
• Treat “windfalls” with care.  Don’t trust unexpected amounts such as bonuses, tax refund, and dividends as windfalls to be spending rather than impulse purchases.
• Make savings a regular “ expense”
• Allow some expenditure that require no accounting for “fun” money or personal allowance.
• Don’t try to keep track of every penny.
• Don’t try to divide a couples paychecks functionally, with one paying the mortgage and the other the auto, and so forth.  Instead, pool the funds and set up a separate expense payment account and an investment account.

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