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Tuesday, January 1, 2008

Trim Your Monthly Expenses

Have you been stressed about your family's budget? Are you living pay check to pay check?

If you start to track your expenses, you will get an idea exactly where your money is going and then focus on where to trim expenses. You should include all monthly expenses, including car payments and insurance, mortgage and home owners insurance.

If you find there is little money left after paying all your monthly expenses, you may need to develop a budgeting plan. If your goal is to save more at the end of each month or pay down credit card debt, there are ways to trim expenses. Keep track of all dining out, travel, gifts, clothing, shoes and personal care. You might not realize how quickly these items add up.

When you were shopping for a car, you most likely bargained with the salesman(woman) for the best price, right? Did you bargain the financing also? If your answer was no, then look into refinancing the balance. This can save you money over the length of the loan and could also save you some money each month by lowering your payments.

Comparing a few different insurance companies for the best rates on your auto and home owner policy can also be a good way to save money each month. Most companies offer a free auto and Home Owner Insurance Quote, so you have no reason not to take advantage of this. You will find there are companies out there that offer great coverage for less than what you are paying now. If your home owner policy or auto policy will be renewing soon, now is the time to start comparing and get the lowest rate.

If you need help with your budgeting solutions, Finance Genius offers financial opportunities and resources to better help you with areas of family spending.


Ajayprabhu said...

Wishing You Happy New Year!!!!!!!!!!!!!!!

AC Associates said...

Hey Ajay,
Wishing you the best New Year!