chơi xổ số keno trực tuyến

{"appState":{"pageLoadApiCallsStatus":true},"categoryState":{"relatedCategories":{"headers":{"timestamp":"2025-01-31T04:01:16+00:00"},"categoryId":34275,"data":{"title":"Budgeting","slug":"budgeting","image":{"src":null,"width":0,"height":0},"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"},"slug":"budgeting","categoryId":34275}],"parentCategory":{"categoryId":34273,"title":"Personal Finance","slug":"personal-finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"}},"childCategories":[],"description":"Where does all the money go? We've got tips and insights to help you figure it out. Create a monthly expense plan, stretch out your food stamps, calculate moving expenses, and more.","relatedArticles":{"self":"//dummies-api.coursofppt.com/v2/articles?category=34275&offset=0&size=5"},"hasArticle":true,"hasBook":true,"articleCount":17,"bookCount":3},"_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"}},"relatedCategoriesLoadedStatus":"success"},"listState":{"list":{"count":10,"total":16,"items":[{"headers":{"creationTime":"2024-03-28T14:41:30+00:00","modifiedTime":"2024-08-03T16:39:59+00:00","timestamp":"2024-08-03T18:01:03+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"},"slug":"budgeting","categoryId":34275}],"title":"How to Save on Groceries During Inflation","strippedTitle":"how to save on groceries during inflation","slug":"how-to-save-on-groceries-during-inflation","canonicalUrl":"","检指数擎调优提升系统":{"metaDescription":"Learn how you can save significantly by following these guidelines for grocery shopping, including how to avoid grocery store gimmicks.","noIndex":0,"noFollow":0},"content":"Shopping can often feel like a black hole on your finances. Money goes in and disappears into a vacuum. Every time you step into a grocery store or discount department store, you may feel like you’re out of control and you come out flat broke.\r\n\r\n[caption id=\"attachment_298110\" align=\"alignnone\" width=\"630\"]<img class=\"size-full wp-image-298110\" src=\"//coursofppt.com/wp-content/uploads/woman-grocery-shopping-adobeStock_53438537.jpg\" alt=\"\" width=\"630\" height=\"420\" /> ©06photo / Adobe Stock[/caption]\r\n\r\nTo prevent your shopping trips from turning into guilt trips, take time to think about how you can spend more thoughtfully.\r\n<h2 id=\"tab1\" >Save by reducing and reusing</h2>\r\nWhen considering a purchase, always keep the following in mind: Reduce, reuse, and recycle. Ask yourself these questions: Do you really need it? Do you already own or have access to something that you can use instead?\r\n\r\nTry to reduce your purchase of processed, prepackaged foods. The more packaging and processing involved, the more the food costs you. By reducing your purchase of packaged and processed items, you save money and resources. Prepackaged groceries generally cost at least twice as much as whole foods, often multiple times more.\r\n\r\nAlso try to buy whole foods in their natural state whenever possible: fresh fruit, vegetables, meat, and dairy products. Yes, cooking is required, but cooking doesn’t have to be drudgery. Sharing a home-cooked meal brings people together, saves money, and can be much healthier than the alternatives.\r\n\r\nYou can reduce trash and save money by minimizing your use of paper towels, disposable plates, and cups. Instead, reuse cloth towels and napkins and use durable dishes because you can wash and reuse these again and again. Go for permanent or reusable over disposable every time possible.\r\n\r\nTake your shopping bags with you to the grocery store. Many stores credit you 5 cents per bag for bringing your own or charge you if you don’t. You’re not only saving money but also saving landfills.\r\n\r\nOver the course of a year, simply reusing shopping bags, napkins, plates, and cups can save you $40 to $60. Just think of how many other items you can apply this concept to. If you can cut costs without cutting your lifestyle, why not? Use your money in other ways that give you more enjoyment and satisfaction.\r\n<h2 id=\"tab2\" >Tips for keeping expenses down</h2>\r\nThe following are some other ways to keep your shopping expenses at a minimum:\r\n<ul>\r\n \t<li><strong>Use a shopping list and purchase only the items on your list.</strong> Organize your list based on the layout of your store and stick to the outer walls where all the healthy options are. By following this guideline, you can begin to better plan your expenditures. And if you stick to your list and a routine, you can eliminate those nasty impulse purchases.</li>\r\n \t<li><strong>Don’t go grocery shopping when you’re hungry.</strong> People typically spend more and buy more processed — and, therefore, more expensive — food when they’re hungry.</li>\r\n \t<li><strong>Buy merchandise when it’s going out of season.</strong> Buy next year’s winter coat or swimsuit when the prices are dirt cheap instead of at the beginning of the season, when the item’s not on sale. And when you’re shopping for clothes, buy wash-and-wear clothes rather than dry-clean only.</li>\r\n \t<li><strong>Buy second-hand.</strong> eBay and Craigslist have changed the landscape of shopping for pre-owned items. Before you buy something, check online first to see whether a pre-owned version is available. You can also find treasures at thrift stores and garage sales.</li>\r\n \t<li><strong>Shop at discount stores.</strong> Deep-discount grocery stores, such as Aldi’s, can save you a lot of money.</li>\r\n</ul>\r\n<h2 id=\"tab3\" >Buying store brands and in bulk</h2>\r\nMany stores carry <em>store brands,</em> items with the store’s name on the label. Or they may carry <em>generic products,</em> those items labeled without a brand name of any sort. If you’re willing to be a bit adventurous, keeping your eye out for inexpensive store brands and generic products can shave a substantial amount from your grocery budget.\r\n\r\nPeople often say that they don’t care for the taste or quality of store brands or generic items, but you may be surprised to discover that many products carrying generic or store brand labels are actually top-quality, name-brand items packaged under a different label.\r\n\r\nYou may have the best luck with generic versions of:\r\n<ul>\r\n \t<li>Tomato sauce and paste</li>\r\n \t<li>Canned and frozen vegetables</li>\r\n \t<li>Canned soups</li>\r\n \t<li>Cookies and crackers</li>\r\n \t<li>Dairy products (milk, butter, and cheese)</li>\r\n \t<li>Coffee and tea</li>\r\n \t<li>Bread, rolls, and buns</li>\r\n</ul>\r\n<h2 id=\"tab4\" >Finding space for bulk purchase groceries and supplies</h2>\r\nDo you think you don’t have room for bulk purchases because you don’t have a pantry? Well, look at the back of your linen closet shelves behind the folded towels. If you’re like many people, you may have some empty space just waiting to be filled with a stack of cans, boxes, or packages.\r\n\r\nWhat about that empty corner in the garage? Or, look underneath your beds, and what do you see? Empty space and dust bunnies? Any of these places can be potential storage spots for a case or two of extra stewed tomatoes or refried beans.\r\n\r\nYou can also split bulk orders with a friend or relative if you really don’t have the room but want to experience the savings to be found in bulk purchases.\r\n<h2 id=\"tab5\" >Seeing through grocery store gimmicks</h2>\r\nGrocery sellers spend money to learn how to fool you into spending more in their stores. Whether they’re enticing you into the store in the first place with sale items or convincing you to buy more expensive items, be aware of some of these tactics:\r\n<h3><strong>The aisle switcheroo</strong></h3>\r\nIf you shop at a particular store regularly, you know where everything you buy is located in each aisle. Without realizing it, you’ve developed a form of tunnel vision and don’t really see anything except what you need. When the store rearranges the aisles or moves items from one position on a shelf to another, you have to look around and actually focus on each aisle and every shelf. By losing your tunnel vision for a time, the possibility of something new catching your eye increases dramatically, and consequently your impulse purchases increase, too.\r\n<h3><strong>The store’s layout</strong></h3>\r\nMost grocery stores have the same general floor plan — they keep produce, bread, dairy, and meat products along the edges of the store or up against the walls. By putting commonly purchased items against the farthest wall or way off in a back corner, customers have to walk past numerous displays and shelves full of goodies.\r\n<p class=\"article-tips tip\">Shop the edges of the store to save considerably on your grocery bill. Added benefit: The perimeter carries the healthiest items in the store. Your waistline — and your budget — will be healthier.</p>\r\n\r\n<h3><strong>Shelf arrangements</strong></h3>\r\nIf you want to find the best values on the grocery store shelves, look high on the top shelves or bend down and look at the bottom shelf. The brand-name and higher-priced products (as well as products designed to entice children) are located at eye level, while the generic, store brand, and lower-priced items are in the more awkward places to see.\r\n<h2 id=\"tab6\" >Using coupons and rebates</h2>\r\nPeople either love coupons and rebates or find them to be more work than they’re worth. Coupons and rebates are a valuable addition to a well-rounded approach to saving money.\r\n\r\nTo make the most of your coupon savings, follow these suggestions:\r\n<ul>\r\n \t<li>Look for double-coupon and triple-coupon deals.</li>\r\n \t<li>Look for coupons for items that are already on sale or that are deeply discounted.</li>\r\n \t<li>Don’t assume you get the best deal with the coupon; store brands can still be cheaper.</li>\r\n \t<li>When shopping online, look for online coupon codes to save on the purchase price or on shipping and handling charges; just type the name of the store and \"coupons\" into your favorite search engine to see what you find. You can also try websites like <a href=\"//www.rakuten.com/\" target=\"_blank\" rel=\"noopener\">Rakuten</a>, <a href=\"//www.joinhoney.com/explore/cash-back\" target=\"_blank\" rel=\"noopener\">Honey</a>, and <a href=\"//www.retailmenot.com/\" target=\"_blank\" rel=\"noopener\">RetailMeNot</a>.</li>\r\n</ul>\r\nTo receive a rebate, you must fill out a rebate form and mail it along with proof-of-purchase materials — usually your original cash register receipt and the Universal Product Code (UPC) or barcode — to the manufacturer.\r\n\r\nOccasionally, a store will offer rebates in the form of store credit rather than money back from the manufacturer. If you shop in a store regularly, credit for shopping there again can be helpful to the budget. But be careful you don’t use the store credit as an excuse to buy things you normally wouldn’t purchase. The store isn’t really trying to save you money — they’re trying to entice you into spending more money.","description":"Shopping can often feel like a black hole on your finances. Money goes in and disappears into a vacuum. Every time you step into a grocery store or discount department store, you may feel like you’re out of control and you come out flat broke.\r\n\r\n[caption id=\"attachment_298110\" align=\"alignnone\" width=\"630\"]<img class=\"size-full wp-image-298110\" src=\"//coursofppt.com/wp-content/uploads/woman-grocery-shopping-adobeStock_53438537.jpg\" alt=\"\" width=\"630\" height=\"420\" /> ©06photo / Adobe Stock[/caption]\r\n\r\nTo prevent your shopping trips from turning into guilt trips, take time to think about how you can spend more thoughtfully.\r\n<h2 id=\"tab1\" >Save by reducing and reusing</h2>\r\nWhen considering a purchase, always keep the following in mind: Reduce, reuse, and recycle. Ask yourself these questions: Do you really need it? Do you already own or have access to something that you can use instead?\r\n\r\nTry to reduce your purchase of processed, prepackaged foods. The more packaging and processing involved, the more the food costs you. By reducing your purchase of packaged and processed items, you save money and resources. Prepackaged groceries generally cost at least twice as much as whole foods, often multiple times more.\r\n\r\nAlso try to buy whole foods in their natural state whenever possible: fresh fruit, vegetables, meat, and dairy products. Yes, cooking is required, but cooking doesn’t have to be drudgery. Sharing a home-cooked meal brings people together, saves money, and can be much healthier than the alternatives.\r\n\r\nYou can reduce trash and save money by minimizing your use of paper towels, disposable plates, and cups. Instead, reuse cloth towels and napkins and use durable dishes because you can wash and reuse these again and again. Go for permanent or reusable over disposable every time possible.\r\n\r\nTake your shopping bags with you to the grocery store. Many stores credit you 5 cents per bag for bringing your own or charge you if you don’t. You’re not only saving money but also saving landfills.\r\n\r\nOver the course of a year, simply reusing shopping bags, napkins, plates, and cups can save you $40 to $60. Just think of how many other items you can apply this concept to. If you can cut costs without cutting your lifestyle, why not? Use your money in other ways that give you more enjoyment and satisfaction.\r\n<h2 id=\"tab2\" >Tips for keeping expenses down</h2>\r\nThe following are some other ways to keep your shopping expenses at a minimum:\r\n<ul>\r\n \t<li><strong>Use a shopping list and purchase only the items on your list.</strong> Organize your list based on the layout of your store and stick to the outer walls where all the healthy options are. By following this guideline, you can begin to better plan your expenditures. And if you stick to your list and a routine, you can eliminate those nasty impulse purchases.</li>\r\n \t<li><strong>Don’t go grocery shopping when you’re hungry.</strong> People typically spend more and buy more processed — and, therefore, more expensive — food when they’re hungry.</li>\r\n \t<li><strong>Buy merchandise when it’s going out of season.</strong> Buy next year’s winter coat or swimsuit when the prices are dirt cheap instead of at the beginning of the season, when the item’s not on sale. And when you’re shopping for clothes, buy wash-and-wear clothes rather than dry-clean only.</li>\r\n \t<li><strong>Buy second-hand.</strong> eBay and Craigslist have changed the landscape of shopping for pre-owned items. Before you buy something, check online first to see whether a pre-owned version is available. You can also find treasures at thrift stores and garage sales.</li>\r\n \t<li><strong>Shop at discount stores.</strong> Deep-discount grocery stores, such as Aldi’s, can save you a lot of money.</li>\r\n</ul>\r\n<h2 id=\"tab3\" >Buying store brands and in bulk</h2>\r\nMany stores carry <em>store brands,</em> items with the store’s name on the label. Or they may carry <em>generic products,</em> those items labeled without a brand name of any sort. If you’re willing to be a bit adventurous, keeping your eye out for inexpensive store brands and generic products can shave a substantial amount from your grocery budget.\r\n\r\nPeople often say that they don’t care for the taste or quality of store brands or generic items, but you may be surprised to discover that many products carrying generic or store brand labels are actually top-quality, name-brand items packaged under a different label.\r\n\r\nYou may have the best luck with generic versions of:\r\n<ul>\r\n \t<li>Tomato sauce and paste</li>\r\n \t<li>Canned and frozen vegetables</li>\r\n \t<li>Canned soups</li>\r\n \t<li>Cookies and crackers</li>\r\n \t<li>Dairy products (milk, butter, and cheese)</li>\r\n \t<li>Coffee and tea</li>\r\n \t<li>Bread, rolls, and buns</li>\r\n</ul>\r\n<h2 id=\"tab4\" >Finding space for bulk purchase groceries and supplies</h2>\r\nDo you think you don’t have room for bulk purchases because you don’t have a pantry? Well, look at the back of your linen closet shelves behind the folded towels. If you’re like many people, you may have some empty space just waiting to be filled with a stack of cans, boxes, or packages.\r\n\r\nWhat about that empty corner in the garage? Or, look underneath your beds, and what do you see? Empty space and dust bunnies? Any of these places can be potential storage spots for a case or two of extra stewed tomatoes or refried beans.\r\n\r\nYou can also split bulk orders with a friend or relative if you really don’t have the room but want to experience the savings to be found in bulk purchases.\r\n<h2 id=\"tab5\" >Seeing through grocery store gimmicks</h2>\r\nGrocery sellers spend money to learn how to fool you into spending more in their stores. Whether they’re enticing you into the store in the first place with sale items or convincing you to buy more expensive items, be aware of some of these tactics:\r\n<h3><strong>The aisle switcheroo</strong></h3>\r\nIf you shop at a particular store regularly, you know where everything you buy is located in each aisle. Without realizing it, you’ve developed a form of tunnel vision and don’t really see anything except what you need. When the store rearranges the aisles or moves items from one position on a shelf to another, you have to look around and actually focus on each aisle and every shelf. By losing your tunnel vision for a time, the possibility of something new catching your eye increases dramatically, and consequently your impulse purchases increase, too.\r\n<h3><strong>The store’s layout</strong></h3>\r\nMost grocery stores have the same general floor plan — they keep produce, bread, dairy, and meat products along the edges of the store or up against the walls. By putting commonly purchased items against the farthest wall or way off in a back corner, customers have to walk past numerous displays and shelves full of goodies.\r\n<p class=\"article-tips tip\">Shop the edges of the store to save considerably on your grocery bill. Added benefit: The perimeter carries the healthiest items in the store. Your waistline — and your budget — will be healthier.</p>\r\n\r\n<h3><strong>Shelf arrangements</strong></h3>\r\nIf you want to find the best values on the grocery store shelves, look high on the top shelves or bend down and look at the bottom shelf. The brand-name and higher-priced products (as well as products designed to entice children) are located at eye level, while the generic, store brand, and lower-priced items are in the more awkward places to see.\r\n<h2 id=\"tab6\" >Using coupons and rebates</h2>\r\nPeople either love coupons and rebates or find them to be more work than they’re worth. Coupons and rebates are a valuable addition to a well-rounded approach to saving money.\r\n\r\nTo make the most of your coupon savings, follow these suggestions:\r\n<ul>\r\n \t<li>Look for double-coupon and triple-coupon deals.</li>\r\n \t<li>Look for coupons for items that are already on sale or that are deeply discounted.</li>\r\n \t<li>Don’t assume you get the best deal with the coupon; store brands can still be cheaper.</li>\r\n \t<li>When shopping online, look for online coupon codes to save on the purchase price or on shipping and handling charges; just type the name of the store and \"coupons\" into your favorite search engine to see what you find. You can also try websites like <a href=\"//www.rakuten.com/\" target=\"_blank\" rel=\"noopener\">Rakuten</a>, <a href=\"//www.joinhoney.com/explore/cash-back\" target=\"_blank\" rel=\"noopener\">Honey</a>, and <a href=\"//www.retailmenot.com/\" target=\"_blank\" rel=\"noopener\">RetailMeNot</a>.</li>\r\n</ul>\r\nTo receive a rebate, you must fill out a rebate form and mail it along with proof-of-purchase materials — usually your original cash register receipt and the Universal Product Code (UPC) or barcode — to the manufacturer.\r\n\r\nOccasionally, a store will offer rebates in the form of store credit rather than money back from the manufacturer. If you shop in a store regularly, credit for shopping there again can be helpful to the budget. But be careful you don’t use the store credit as an excuse to buy things you normally wouldn’t purchase. The store isn’t really trying to save you money — they’re trying to entice you into spending more money.","blurb":"","authors":[{"authorId":8947,"name":"The Experts at Dummies","slug":"the-experts-at-dummies","description":"The Experts at Dummies are smart, friendly people who make learning easy by taking a not-so-serious approach to serious stuff.","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/8947"}}],"primaryCategoryTaxonomy":{"categoryId":34275,"title":"Budgeting","slug":"budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"}},"secondaryCategoryTaxonomy":{"categoryId":34311,"title":"General Personal Finance","slug":"general-personal-finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34311"}},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[{"label":"Save by reducing and reusing","target":"#tab1"},{"label":"Tips for keeping expenses down","target":"#tab2"},{"label":"Buying store brands and in bulk","target":"#tab3"},{"label":"Finding space for bulk purchase groceries and supplies","target":"#tab4"},{"label":"Seeing through grocery store gimmicks","target":"#tab5"},{"label":"Using coupons and rebates","target":"#tab6"}],"relatedArticles":{"fromBook":[{"articleId":296672,"title":"Living Well in a Down Economy For Dummies Cheat Sheet","slug":"living-well-in-a-down-economy-cheat-sheet","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/296672"}}],"fromCategory":[{"articleId":298297,"title":"Budgeting For Dummies Cheat Sheet","slug":"budgeting-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/298297"}},{"articleId":296672,"title":"Living Well in a Down Economy For Dummies Cheat Sheet","slug":"living-well-in-a-down-economy-cheat-sheet","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/296672"}},{"articleId":296332,"title":"How to Create a Monthly Budget","slug":"how-to-create-a-monthly-budget-2","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/296332"}},{"articleId":202925,"title":"How to Create a Monthly Budget","slug":"how-to-create-a-monthly-budget","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202925"}},{"articleId":202833,"title":"How to Stay Cool during Summer for Less Money","slug":"how-to-stay-cool-during-summer-for-less-money","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202833"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":296517,"slug":"living-well-in-a-down-economy-for-dummies-2nd-edition","isbn":"9781394159642","categoryList":["business-careers-money","personal-finance","budgeting"],"amazon":{"default":"//www.amazon.com/gp/product/1394159641/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/1394159641/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/1394159641-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/1394159641/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/1394159641/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/living-well-in-a-down-economy-2nd-edition-cover-9781394159642-203x255.jpg","width":203,"height":255},"title":"Living Well in a Down Economy For Dummies","testBankPinActivationLink":"","bookOutOfPrint":true,"authorsInfo":"","authors":[{"authorId":34784,"name":"","slug":"","description":" <p><b>Steven A. Frowine</b> is a noted professional horticulturist and a longtime avid gardener and communicator.</p><p><b> The National Gardening Association</b> is the leading garden-based educational nonprofit in the USA. Visit //garden.org.</p> ","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/34784"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394159642&quot;]}]\" id=\"du-slot-64cbeb5fdf5ad\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394159642&quot;]}]\" id=\"du-slot-64cbeb5fdfac2\"></div></div>"},"articleType":{"articleType":"Articles","articleList":null,"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Solve","lifeExpectancy":"Five years","lifeExpectancySetFrom":"2024-03-27T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":298103},{"headers":{"creationTime":"2017-03-26T20:22:40+00:00","modifiedTime":"2024-05-19T16:43:05+00:00","timestamp":"2024-05-19T18:01:02+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"},"slug":"budgeting","categoryId":34275}],"title":"5 Tips to Save Money","strippedTitle":"5 tips to save money","slug":"5-tips-to-save-money","canonicalUrl":"","检指数擎调优提升系统":{"metaDescription":"Saving money can be as simple as 1, 2, 3, as you'll see in these 5 quick and easy approaches to managing your personal finances. 1. Reduce the Amount of Times Y","noIndex":0,"noFollow":0},"content":"<p>Saving money can be as simple as 1, 2, 3, as you'll see in these 5 quick and easy approaches to managing your personal finances.</p>\r\n<h2 id=\"tab1\" >1. Reduce the Amount of Times You Go Out to Eat</h2>\r\n<p>Going out to eat often can put a major crunch on your budget. By simply cooking a few meals at home, you can save a significant amount of money on a monthly basis and eat healthier.</p>\r\n<p><a href=\"//coursofppt.com/article/business-careers-money/personal-finance/budgeting/how-to-save-money-by-cooking-at-home-143586/\">How to Save Money by Cooking at Home</a></p>\r\n<h2 id=\"tab2\" >2. Make Some Income from Your Money</h2>\r\n<p>Make your money do a bit of work for you by opening an account at your local bank and earning interest. The balance in your savings account earns interest because the bank uses your money to fund loans to other people. In other words, the bank pays you to use your money</p>\r\n<p><a href=\"//coursofppt.com/article/business-careers-money/personal-finance/general-personal-finance/growing-your-money-in-bank-savings-accounts-202854/\">Growing Your Money in Bank Savings Accounts</a></p>\r\n<h2 id=\"tab3\" >3. Don’t Be Wasteful in the Kitchen</h2>\r\n<p>Wasting food adds up to wasting money. Here’s a list of easy ideas to help cut the cost of family meals — and save money in the kitchen.</p>\r\n<p><a href=\"//coursofppt.com/how-to/content/how-to-save-money-in-the-kitchen.html\">How to Save Money in the Kitchen</a></p>\r\n<h2 id=\"tab4\" >4. Save Money on Your Banking Fees</h2>\r\n<p>Banking fees can be one of the more frustrating aspects of managing your finances. Although the fees you pay to your bank may never go away entirely, a little knowledge and some proper planning can help you to reduce your fees dramatically.</p>\r\n<p><a href=\"//coursofppt.com/how-to/content/how-to-save-money-on-your-banking-fees.html\">How to Save Money on Your Banking Fees</a></p>\r\n<h2 id=\"tab5\" >5. Save on Gas by Taking Care of Your Car Tires</h2>\r\n<p>Taking care of your car’s tires can pay off handsomely by increasing your tires’ longevity, handling, and performance, as well as providing you with a more comfortable ride and better gas mileage.</p>\r\n<p><a href=\"//coursofppt.com/how-to/content/how-to-save-money-by-taking-care-of-your-cars-tire.html\">How to Save Money by Taking Care of Your Car’s Tires</a></p>","description":"<p>Saving money can be as simple as 1, 2, 3, as you'll see in these 5 quick and easy approaches to managing your personal finances.</p>\r\n<h2 id=\"tab1\" >1. Reduce the Amount of Times You Go Out to Eat</h2>\r\n<p>Going out to eat often can put a major crunch on your budget. By simply cooking a few meals at home, you can save a significant amount of money on a monthly basis and eat healthier.</p>\r\n<p><a href=\"//coursofppt.com/article/business-careers-money/personal-finance/budgeting/how-to-save-money-by-cooking-at-home-143586/\">How to Save Money by Cooking at Home</a></p>\r\n<h2 id=\"tab2\" >2. Make Some Income from Your Money</h2>\r\n<p>Make your money do a bit of work for you by opening an account at your local bank and earning interest. The balance in your savings account earns interest because the bank uses your money to fund loans to other people. In other words, the bank pays you to use your money</p>\r\n<p><a href=\"//coursofppt.com/article/business-careers-money/personal-finance/general-personal-finance/growing-your-money-in-bank-savings-accounts-202854/\">Growing Your Money in Bank Savings Accounts</a></p>\r\n<h2 id=\"tab3\" >3. Don’t Be Wasteful in the Kitchen</h2>\r\n<p>Wasting food adds up to wasting money. Here’s a list of easy ideas to help cut the cost of family meals — and save money in the kitchen.</p>\r\n<p><a href=\"//coursofppt.com/how-to/content/how-to-save-money-in-the-kitchen.html\">How to Save Money in the Kitchen</a></p>\r\n<h2 id=\"tab4\" >4. Save Money on Your Banking Fees</h2>\r\n<p>Banking fees can be one of the more frustrating aspects of managing your finances. Although the fees you pay to your bank may never go away entirely, a little knowledge and some proper planning can help you to reduce your fees dramatically.</p>\r\n<p><a href=\"//coursofppt.com/how-to/content/how-to-save-money-on-your-banking-fees.html\">How to Save Money on Your Banking Fees</a></p>\r\n<h2 id=\"tab5\" >5. Save on Gas by Taking Care of Your Car Tires</h2>\r\n<p>Taking care of your car’s tires can pay off handsomely by increasing your tires’ longevity, handling, and performance, as well as providing you with a more comfortable ride and better gas mileage.</p>\r\n<p><a href=\"//coursofppt.com/how-to/content/how-to-save-money-by-taking-care-of-your-cars-tire.html\">How to Save Money by Taking Care of Your Car’s Tires</a></p>","blurb":"","authors":[],"primaryCategoryTaxonomy":{"categoryId":34275,"title":"Budgeting","slug":"budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[{"label":"1. Reduce the Amount of Times You Go Out to Eat","target":"#tab1"},{"label":"2. Make Some Income from Your Money","target":"#tab2"},{"label":"3. Don’t Be Wasteful in the Kitchen","target":"#tab3"},{"label":"4. Save Money on Your Banking Fees","target":"#tab4"},{"label":"5. Save on Gas by Taking Care of Your Car Tires","target":"#tab5"}],"relatedArticles":{"fromBook":[],"fromCategory":[{"articleId":298297,"title":"Budgeting For Dummies Cheat Sheet","slug":"budgeting-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/298297"}},{"articleId":298103,"title":"How To Save on Groceries During Inflation","slug":"how-to-save-on-groceries-during-inflation","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/298103"}},{"articleId":296672,"title":"Living Well in a Down Economy For Dummies Cheat Sheet","slug":"living-well-in-a-down-economy-cheat-sheet","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/296672"}},{"articleId":296332,"title":"How To Create a Monthly Budget","slug":"how-to-create-a-monthly-budget-2","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/296332"}},{"articleId":202925,"title":"How to Create a Monthly Budget","slug":"how-to-create-a-monthly-budget","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202925"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":0,"slug":null,"isbn":null,"categoryList":null,"amazon":null,"image":null,"title":null,"testBankPinActivationLink":null,"bookOutOfPrint":false,"authorsInfo":null,"authors":null,"_links":null},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[null]}]\" id=\"du-slot-6467b95ed8cca\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[null]}]\" id=\"du-slot-6467b95ed96c5\"></div></div>"},"articleType":{"articleType":"Articles","articleList":null,"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Explore","lifeExpectancy":"Six months","lifeExpectancySetFrom":"2024-05-19T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":187354},{"headers":{"creationTime":"2024-04-13T15:28:03+00:00","modifiedTime":"2024-04-13T15:28:03+00:00","timestamp":"2024-04-13T18:01:02+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"},"slug":"budgeting","categoryId":34275}],"title":"Budgeting For Dummies Cheat Sheet","strippedTitle":"budgeting for dummies cheat sheet","slug":"budgeting-for-dummies-cheat-sheet","canonicalUrl":"","检指数擎调优提升系统":{"metaDescription":"This Cheat Sheet provides some budget methods and advice for getting started and sticking to the budget you create.","noIndex":0,"noFollow":0},"content":"Use this Cheat Sheet as a quick way to determine which budgeting method you want to try. It also has tips to help you create a successful budget you can stick to.","description":"Use this Cheat Sheet as a quick way to determine which budgeting method you want to try. It also has tips to help you create a successful budget you can stick to.","blurb":"","authors":[{"authorId":35272,"name":"Athena Valentine Lent","slug":"athena-valentine-lent","description":"Athena Valentine Lent is the founder of Money Smart Latina, a blog and financial education resource center. She leads workshops and classes on money management, financial resiliency, and navigating finances. She publishes a personal finance column at Slate.com.","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/35272"}}],"primaryCategoryTaxonomy":{"categoryId":34275,"title":"Budgeting","slug":"budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[],"fromCategory":[{"articleId":298103,"title":"How To Save on Groceries During Inflation","slug":"how-to-save-on-groceries-during-inflation","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/298103"}},{"articleId":296672,"title":"Living Well in a Down Economy For Dummies Cheat Sheet","slug":"living-well-in-a-down-economy-cheat-sheet","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/296672"}},{"articleId":296332,"title":"How To Create a Monthly Budget","slug":"how-to-create-a-monthly-budget-2","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/296332"}},{"articleId":202925,"title":"How to Create a Monthly Budget","slug":"how-to-create-a-monthly-budget","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202925"}},{"articleId":202833,"title":"How to Stay Cool during Summer for Less Money","slug":"how-to-stay-cool-during-summer-for-less-money","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202833"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":298230,"slug":"budgeting-for-dummies","isbn":"9781119985143","categoryList":["business-careers-money","personal-finance","budgeting"],"amazon":{"default":"//www.amazon.com/gp/product/1119985145/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/1119985145/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/1119985145-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/1119985145/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/1119985145/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/budgeting-for-dummies-cover-9781119985143-203x255.jpg","width":203,"height":255},"title":"Budgeting For Dummies","testBankPinActivationLink":"","bookOutOfPrint":true,"authorsInfo":"<p><b data-author-id=\"35272\">Athena Valentine Lent</b> is the founder of Money Smart Latina, a blog and financial education resource center. She leads workshops and classes on money management, financial resiliency, and navigating finances. She publishes a personal finance column at Slate.com.</p>","authors":[{"authorId":35272,"name":"Athena Valentine Lent","slug":"athena-valentine-lent","description":"Athena Valentine Lent is the founder of Money Smart Latina, a blog and financial education resource center. She leads workshops and classes on money management, financial resiliency, and navigating finances. She publishes a personal finance column at Slate.com.","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/35272"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781119985143&quot;]}]\" id=\"du-slot-6438435ea5abc\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781119985143&quot;]}]\" id=\"du-slot-6438435ea685e\"></div></div>"},"articleType":{"articleType":"Cheat Sheet","articleList":[{"articleId":0,"title":"","slug":null,"categoryList":[],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/"}}],"content":[{"title":"Taking the first steps for any budget","thumb":null,"image":null,"content":"<p>Before you begin to explore any budgeting method, you should know your monthly income (after taxes). Then make a list of all your fixed and variable expenses. <em>Fixed expenses</em> are expenses that don’t fluctuate, such as rent or car insurance. <em>Variable expenses, </em>like groceries, can fluctuate or change monthly.</p>\n<p>Next, subtract your monthly expenses from your income to ensure you have enough money to cover your expenses. The following figure identifies the three budgeting methods discussed in <a href=\"//coursofppt.com/book/business-careers-money/personal-finance/budgeting/budgeting-for-dummies-298230/\" target=\"_blank\" rel=\"noopener\"><em>Budgeting For Dummies</em></a>.</p>\n"},{"title":"Zero-based budgeting","thumb":null,"image":null,"content":"<p><em>Zero-based budgeting</em> is when you assign your income to predetermined budget categories to give every single dollar a job. The overall goal is to have a zero balance by the end of the month and account for all your spending.</p>\n<p>You can create your own zero-based budget with the following steps:</p>\n<ol>\n<li>Review your current spending and pick an amount to allocate to each category, such as food or utilities.</li>\n<li>After you’ve assigned every single dollar to a category, track your monthly spending. Tracking ensures you spend only what you originally planned.</li>\n<li>Reassess your spending to see whether you stayed within the allocated amounts.</li>\n</ol>\n<p>See what expenses you can cut to lower the amount of money you need and then use that savings toward any financial goals or outstanding debt.</p>\n<p>Here’s an easy example of zero-based budgeting for a monthly income of $3,000:</p>\n<ul>\n<li><strong>Rent:</strong> $1,000</li>\n<li><strong>Debt:</strong> $500</li>\n<li><strong>Utilities:</strong> $500</li>\n<li><strong>Variable expenses, such as groceries, gas, and </strong>subscription services<strong>:</strong> $1,000</li>\n</ul>\n<p>With this budget, you’ve accounted for every dollar you bring home.</p>\n"},{"title":"Envelope budget","thumb":null,"image":null,"content":"<p>The <em>envelope budget </em>method helps you track your spending by using cold hard cash for all purchases. Cash envelopes can also help you become more disciplined by making you more physically aware of the funds you have going out.</p>\n<p>Here’s how to make your spending tangible with an envelope budget:</p>\n<ol>\n<li>Assign your expenses to categories, such as utilities, entertainment, or groceries.</li>\n<li>Write each category on the front of an envelope. Every envelope should have only one category.</li>\n<li>Withdraw cash from the bank.</li>\n<li>Put the amount of cash you’ve budgeted for each category in that category’s envelope.</li>\n<li>As you spend money during your budgeting cycle, remove it from the appropriate envelope(s). Write the amounts spent on the backs of the envelopes as you go. Remember, you can spend only what cash you have allocated in each envelope.</li>\n<li>If you have cash leftover at the end of the cycle, put it toward a financial goal or top off another envelope in the next budgeting cycle.</li>\n</ol>\n"},{"title":"Pay-yourself-first budget","thumb":null,"image":null,"content":"<p>The <em>pay-yourself-first</em> method allows you to take care of your financial priorities without micromanaging your spending. If you often struggle to complete your goals or make progress, this budgeting method may be the right one for you.</p>\n<p>However, if you need structure, this approach isn’t your best option. It has too much gray area that makes overspending easy.</p>\n<p>Here are some tips for using the pay-yourself-first budget:</p>\n<ul>\n<li>Figure out what goals you want to take care of. A good rule of thumb is allocating at least 10 percent of your income toward debt and savings goals.</li>\n<li>Automate a money transfer to ensure prioritizing saving is the first item you take care of after payday.</li>\n<li>Spend the rest of your income however you see fit. Make sure to take care of the essential expenses, but don’t worry about how much you spend. You’ve already taken care of your future self and can relax.</li>\n</ul>\n"},{"title":"The 50/30/20 budget","thumb":null,"image":null,"content":"<p>If you’re interested in keeping your spending in check but still want freedom to spend as you want, consider the <em>50/30/20 budget.</em> It’s a simple way to cover your expenses while meeting your financial goals.</p>\n<ul>\n<li><strong>50 percent goes toward needs.</strong> A <em>need</em> is something you must have to survive, like shelter and food.</li>\n<li><strong>30 percent is allocated for wants.</strong> Anything that isn’t essential to your survival but is nice to have is considered a <em>want</em>. So although food is a need, dining out for that food is a want. Entertainment, equipment for hobbies, and new home decor are other examples of wants.</li>\n<li><strong>20 percent is for financial priorities.</strong> This category can include paying off your student loans, adding to your retirement savings, and anything else you want to put money toward.</li>\n</ul>\n"},{"title":"Tips for sticking to your budget","thumb":null,"image":null,"content":"<p>For your budget to work, you must be consistent. Most people struggle to budget because the learning curve that typically comes with budgeting makes that initial consistency difficult. These tips can help you stay the course without throwing in the towel:</p>\n<ul>\n<li><strong>Be realistic.</strong> To have a budget that works, you need to be realistic about your life circumstances and your current finances. If you’ve been spending most of your money on dining out, simply deciding you’re only eating home cooked meals won’t work. Going from 0 to 100 is an easy way to start on the wrong foot.</li>\n<li><strong>Learn to be a planner.</strong> One of the ways you can make sure your spending stays within your allocated categories is to plan ahead as much as possible. Decide what you’re eating for the week so you can grocery shop and have food ready to go. Buy birthday gifts in advance while items are on sale. Be prepared to stock up on household items on sale or when you have coupons. Planning ahead can make your money go much farther than buying things spontaneously.</li>\n<li><strong>Save for emergencies.</strong> Start saving in advance for emergencies by creating an emergency fund of at least $1,000. That amount may not seem like much, but $1,000 can go farther than having nothing saved and keep you from putting an urgent expense on a credit card that racks up fees and interest.</li>\n<li><strong>Create sinking funds.</strong> <em>Sinking funds</em> are categories such as car maintenance, gifts, and veterinary check-ups that you know you’ll need to access occasionally. By saving in advance for these expenses, you don’t need to tap into your daily spending or savings accounts.</li>\n<li><strong>Find ways to cut your expenses.</strong> When you start to track your spending, you may realize that cutting back can help you hit your goals faster. Start category by category to see where you can cut your spending. For example, with groceries, you can sign up for rewards programs, find coupons for items you regularly buy, and use apps that can help you cut additional costs.</li>\n<li><strong>Put money aside for fun.</strong> When you put money aside to enjoy time with friends or indulge in your favorite pastime, you’re more inclined to stick with budgeting. The feeling that you’re being deprived is more likely to make you splurge and bust the budget or give up entirely.</li>\n<li><strong>Use the right tools.</strong> The budgeting tools that work for one person don’t necessarily work for the next. Try out different ways of keeping yourself on track. Consider breaking out the old-fashioned pen and paper, making your own spreadsheet, using budgeting software, or downloading apps onto your phone.</li>\n<li><strong>Remember why you started.</strong> Be clear about why you’re on this budgeting journey. Saving money to “just save” isn’t as meaningful as dedicating those savings to specific financial goal, such as an emergency fund or a down payment for a house. Make a list of your budget goals, write a financial mission statement, or hang up a visual reminder such as a vision board.</li>\n<li><strong>Be flexible.</strong> Budgeting isn’t linear. Most people take a step forward and then a step back when they’re starting out, and that’s normal. If your budget isn’t working out, reassess your categories, financial goals, or overall budgeting strategy.</li>\n</ul>\n"}],"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Advance","lifeExpectancy":"Five years","lifeExpectancySetFrom":"2024-04-13T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":298297},{"headers":{"creationTime":"2017-03-26T23:10:05+00:00","modifiedTime":"2024-03-16T12:35:19+00:00","timestamp":"2024-03-16T15:01:02+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"},"slug":"budgeting","categoryId":34275}],"title":"How to Stay Cool during Summer for Less Money","strippedTitle":"how to stay cool during summer for less money","slug":"how-to-stay-cool-during-summer-for-less-money","canonicalUrl":"","检指数擎调优提升系统":{"metaDescription":"You don’t have to sweat out the dog days of summer, even when cutting back on your awesome, home-cooling air conditioning to save money. You can stay cool, even","noIndex":0,"noFollow":0},"content":"You don’t have to sweat out the dog days of summer, even when cutting back on your awesome, home-cooling air conditioning to save money. You can stay cool, even when it’s hot outside.\r\n\r\n[caption id=\"attachment_262406\" align=\"aligncenter\" width=\"535\"]<img class=\"wp-image-262406 size-full\" src=\"//coursofppt.com/wp-content/uploads/stay-cool-summer.jpg\" alt=\"staying cool in the summer\" width=\"535\" height=\"357\" /> ©Shutterstock/PR Image Factory[/caption]\r\n<ul class=\"level-one\">\r\n \t<li>\r\n<p class=\"first-para\">Add insulation to your home. First insulate your attic floor, and then when time and money allow, add insulation to your basement, exterior walls, floors, and crawl spaces (in that order).</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Improve attic ventilation. Adequate ventilation under the eaves allows cooler air to enter and circulate throughout the attic. If you don’t have a permanent exhaust fan, you can set a box fan with the airflow pointed outward to pull the hot air out of the house.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Shade your house from the sun. If your house isn’t shaded by trees, install awnings over any windows that are exposed to direct sun during the day.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Cover your windows. Windows are a major source of heat during the summer. Reduce the heat coming in through your windows by closing the drapes during the day, adding reflective window tint to southern windows, and hanging old-fashioned bamboo shades outside.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Make your air conditioner work less. If you use an air conditioner to cool your house, turn the thermostat up a bit higher than the temperature you usually set. Also, set the temperature higher for times when you’re not there.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Use fans to circulate air. Moving air feels several degrees cooler than still air.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Reduce how much heat you create inside your house. Use appliances other than the stove and oven to cook (such as the microwave, slow cooker, electric skillet, or toaster oven). Don’t use the heat setting on your clothes dryer.</p>\r\n</li>\r\n</ul>","description":"You don’t have to sweat out the dog days of summer, even when cutting back on your awesome, home-cooling air conditioning to save money. You can stay cool, even when it’s hot outside.\r\n\r\n[caption id=\"attachment_262406\" align=\"aligncenter\" width=\"535\"]<img class=\"wp-image-262406 size-full\" src=\"//coursofppt.com/wp-content/uploads/stay-cool-summer.jpg\" alt=\"staying cool in the summer\" width=\"535\" height=\"357\" /> ©Shutterstock/PR Image Factory[/caption]\r\n<ul class=\"level-one\">\r\n \t<li>\r\n<p class=\"first-para\">Add insulation to your home. First insulate your attic floor, and then when time and money allow, add insulation to your basement, exterior walls, floors, and crawl spaces (in that order).</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Improve attic ventilation. Adequate ventilation under the eaves allows cooler air to enter and circulate throughout the attic. If you don’t have a permanent exhaust fan, you can set a box fan with the airflow pointed outward to pull the hot air out of the house.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Shade your house from the sun. If your house isn’t shaded by trees, install awnings over any windows that are exposed to direct sun during the day.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Cover your windows. Windows are a major source of heat during the summer. Reduce the heat coming in through your windows by closing the drapes during the day, adding reflective window tint to southern windows, and hanging old-fashioned bamboo shades outside.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Make your air conditioner work less. If you use an air conditioner to cool your house, turn the thermostat up a bit higher than the temperature you usually set. Also, set the temperature higher for times when you’re not there.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Use fans to circulate air. Moving air feels several degrees cooler than still air.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Reduce how much heat you create inside your house. Use appliances other than the stove and oven to cook (such as the microwave, slow cooker, electric skillet, or toaster oven). Don’t use the heat setting on your clothes dryer.</p>\r\n</li>\r\n</ul>","blurb":"","authors":[],"primaryCategoryTaxonomy":{"categoryId":34275,"title":"Budgeting","slug":"budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[],"fromCategory":[{"articleId":296672,"title":"Living Well in a Down Economy For Dummies Cheat Sheet","slug":"living-well-in-a-down-economy-cheat-sheet","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/296672"}},{"articleId":296332,"title":"How To Create a Monthly Budget","slug":"how-to-create-a-monthly-budget-2","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/296332"}},{"articleId":202925,"title":"How to Create a Monthly Budget","slug":"how-to-create-a-monthly-budget","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202925"}},{"articleId":197142,"title":"Financial Planning with Your Family","slug":"financial-planning-with-your-family","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197142"}},{"articleId":197129,"title":"How to Track Your Expenses","slug":"how-to-track-your-expenses","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197129"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":0,"slug":null,"isbn":null,"categoryList":null,"amazon":null,"image":null,"title":null,"testBankPinActivationLink":null,"bookOutOfPrint":false,"authorsInfo":null,"authors":null,"_links":null},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[null]}]\" id=\"du-slot-64132f2ee79cd\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[null]}]\" id=\"du-slot-64132f2ee8126\"></div></div>"},"articleType":{"articleType":"Articles","articleList":null,"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Solve","lifeExpectancy":"Two years","lifeExpectancySetFrom":"2024-03-16T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":202833},{"headers":{"creationTime":"2024-01-11T14:52:48+00:00","modifiedTime":"2024-01-12T14:28:28+00:00","timestamp":"2024-01-12T15:01:02+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"},"slug":"budgeting","categoryId":34275}],"title":"Living Well in a Down Economy For Dummies Cheat Sheet","strippedTitle":"living well in a down economy for dummies cheat sheet","slug":"living-well-in-a-down-economy-cheat-sheet","canonicalUrl":"","检指数擎调优提升系统":{"metaDescription":"Learn how to manage your expenses during a down economy, including creating a budget, smart shopping, and saving on energy costs.","noIndex":0,"noFollow":0},"content":"How can you save for retirement when you need all your income to make ends meet now? What do you do when college loans come due and money is tight? How can you trim back household expenses?\r\n\r\nWhen the economy is down, you can still save money without sacrificing your quality of life. Every little change you make to your finances can help.\r\n\r\nHere, you get some tips on saving on energy costs, shopping smart, and making a budget.","description":"How can you save for retirement when you need all your income to make ends meet now? What do you do when college loans come due and money is tight? How can you trim back household expenses?\r\n\r\nWhen the economy is down, you can still save money without sacrificing your quality of life. Every little change you make to your finances can help.\r\n\r\nHere, you get some tips on saving on energy costs, shopping smart, and making a budget.","blurb":"","authors":[{"authorId":8947,"name":"The Experts at Dummies","slug":"the-experts-at-dummies","description":"The Experts at Dummies are smart, friendly people who make learning easy by taking a not-so-serious approach to serious stuff.","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/8947"}}],"primaryCategoryTaxonomy":{"categoryId":34275,"title":"Budgeting","slug":"budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[],"fromCategory":[{"articleId":296332,"title":"How To Create a Monthly Budget","slug":"how-to-create-a-monthly-budget-2","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/296332"}},{"articleId":202925,"title":"How to Create a Monthly Budget","slug":"how-to-create-a-monthly-budget","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202925"}},{"articleId":202833,"title":"How to Stay Cool during Summer for Less Money","slug":"how-to-stay-cool-during-summer-for-less-money","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202833"}},{"articleId":197142,"title":"Financial Planning with Your Family","slug":"financial-planning-with-your-family","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197142"}},{"articleId":197129,"title":"How to Track Your Expenses","slug":"how-to-track-your-expenses","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197129"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":296517,"slug":"living-well-in-a-down-economy-for-dummies-2nd-edition","isbn":"9781394159642","categoryList":["business-careers-money","personal-finance","budgeting"],"amazon":{"default":"//www.amazon.com/gp/product/1394159641/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/1394159641/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/1394159641-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/1394159641/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/1394159641/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/living-well-in-a-down-economy-2nd-edition-cover-9781394159642-203x255.jpg","width":203,"height":255},"title":"Living Well in a Down Economy For Dummies, 2nd Edition","testBankPinActivationLink":"","bookOutOfPrint":true,"authorsInfo":"<p><b data-author-id=\"8947\">The Experts at Dummies</b> are smart, friendly people who make learning easy by taking a not-so-serious approach to serious stuff.</p>","authors":[{"authorId":8947,"name":"The Experts at Dummies","slug":"the-experts-at-dummies","description":"The Experts at Dummies are smart, friendly people who make learning easy by taking a not-so-serious approach to serious stuff.","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/8947"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394159642&quot;]}]\" id=\"du-slot-63c020aec915a\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394159642&quot;]}]\" id=\"du-slot-63c020aeca20b\"></div></div>"},"articleType":{"articleType":"Cheat Sheet","articleList":[{"articleId":0,"title":"","slug":null,"categoryList":[],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/"}}],"content":[{"title":"How to save on energy costs","thumb":null,"image":null,"content":"<p>The following tips, when combined together, can help cut your electricity and gas bills considerably (which is a great help when the economy is down):</p>\n<ul>\n<li>Find out whether your local energy provider has off-peak hours when electricity use is less expensive.</li>\n<li>Use a programmable thermostat that you can set for different temperatures at different hours.</li>\n<li>Wash clothes in cold water.</li>\n<li>If you need a cup or two of hot water, don’t let the tap run until the hot water comes out; heat water in the microwave instead.</li>\n<li> If you have outdoor lighting for safety reasons, install motion detectors on the lights.</li>\n<li>Refrigerators and freezers work better if they’re full. Fill the empty spaces with clean milk jugs filled with water.</li>\n<li>Clean the coils of the fridge regularly so the cooling mechanism can run more efficiently.</li>\n<li>Use a water heater insulation blanket and keep the water heater’s temperature set at 120 degrees Fahrenheit.</li>\n</ul>\n"},{"title":"Shop smart","thumb":null,"image":null,"content":"<p>You can reduce typical household expenses and still enjoy quite a few of life’s luxuries, even in an economic downtime. Check out the following tips for shopping wisely:</p>\n<ul>\n<li>Go to a “cash only” basis for budgeting.</li>\n<li>Shop from a list for everything from food to clothing to holiday gifts. Stick to the list!</li>\n<li>Consolidate your little trips to the grocery store into one weekly trip to save on gas.</li>\n<li>Don’t shop for groceries when you’re hungry. People who do usually spend more and buy more processed — and, therefore, more expensive — food.</li>\n<li>Buy merchandise when it’s going out of season.</li>\n<li>Shop at discount stores and buy dry goods in bulk.</li>\n<li>Avoid brand names when a generic equivalent is available.</li>\n<li>Don’t buy impulsively.</li>\n</ul>\n"},{"title":"Three easy steps to creating a budget","thumb":null,"image":null,"content":"<p>Does the word <em>budget</em> send chills up your spine? It shouldn’t. Budgets allow you to be organized and have some control over what you spend, which is especially important in an economic downturn.</p>\n<p>Budgets help you to decide how to spend your money, plan for your future, pay off existing debt, and save a few pennies each month by reducing wasteful and impulsive purchases. Follow these steps:</p>\n<ol>\n<li><strong> Categorize your expenses. </strong>When you begin setting up a monthly budget, start with big categories before breaking your budget down into smaller expense categories. Within each general category, some items are essential (the mortgage or rent payment, the electric bill, and groceries), but other items are extra (new furniture, gifts, and pizza delivery).From your first list of general budget items, develop two separate budget lists, one for essentials and the other for extras.</li>\n<li><strong> Estimate what you spend. </strong>Go through any receipts or records you’ve kept over the past few months (including those that are digital or online) so you can track how much you actually spend on essentials. Then for one month keep a detailed diary of all your extra purchases, even for cheap things like coffee from your favorite neighborhood café.</li>\n<li><strong> Calculate and adjust. </strong>To find out whether your spending habits are keeping you in the red, add up the essentials list and the extras list separately. Subtract the essentials total from your monthly income.If you have money left over, subtract the extras total from that amount. If your extras list takes you into negative numbers, start looking for places to cut back.</li>\n</ol>\n"}],"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Solve","lifeExpectancy":"Five years","lifeExpectancySetFrom":"2024-01-11T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":296672},{"headers":{"creationTime":"2017-03-26T07:41:08+00:00","modifiedTime":"2022-10-26T16:43:01+00:00","timestamp":"2023-09-14T18:18:42+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"},"slug":"budgeting","categoryId":34275}],"title":"Budgeting First Steps: Separating Needs from Wants","strippedTitle":"budgeting first steps: separating needs from wants","slug":"budgeting-first-steps-separating-needs-from-wants","canonicalUrl":"","检指数擎调优提升系统":{"metaDescription":"Much of budgeting is determining what's a true need and what's just a strong want. Search these tips for planning out a workable budget.","noIndex":0,"noFollow":0},"content":"After you determine your actual spendable income, you can focus on how that remaining money needs to be spent. The first step to creating a budget is to sort expenses into three categories: needs, wants, and luxury items. But how do you distinguish between the three?\r\n<div class=\"imageBlock\" style=\"width: 500px;\">\r\n\r\n[caption id=\"\" align=\"alignnone\" width=\"500\"]<img src=\"//coursofppt.com/wp-content/uploads/479679.image0.jpg\" alt=\"\" width=\"500\" height=\"332\" /> © i-frontier / iStockphoto.com[/caption]\r\n\r\n</div>\r\nWhat qualifies as a <i>need</i> can sometimes be blurry. A person basically has very few true <i>needs:</i> shelter, clean water, food and a way to prepare it, clothing, and warmth. Of course, it isn't realistic to expect a person to thrive with only these items. If you have a job, you need to be able to get there; you and your family need to protect themselves and their health; and you might be legally required to make other payments.\r\n\r\nBut not everything you feel like you need actually is a <i>need.</i> Unless it's required for your job (in which case you ought to be reimbursed or deduct the expenses from your taxes).\r\n\r\nIn order to create a budget for yourself, you first need to take a hard look at what you need versus what you want.\r\n<h2 id=\"tab1\" >Figuring required expenses</h2>\r\nYour required expenses, or needs, must come first. To figure out what your required expenses are, fill out this <a href=\"//coursofppt.com/wp-content/uploads/114224.0008a_Required-Monthly-Expenses.pdf\" target=\"_blank\" rel=\"noopener\">Required Monthly Expenses worksheet</a>.\r\n\r\nIf you have a surplus after meeting your required living expenses, go ahead and check out the next section on using your excess money for wants.\r\n<p class=\"Tip\">If you aren’t already doing so, set up automatic monthly withdrawals from your paycheck or your checking account to pay for or fund each of the required expenditures. That way, your requirements are met automatically each and every month, and whatever is left over is yours to spend however you see fit.</p>\r\n\r\n<h2 id=\"tab2\" >Wading through your wants</h2>\r\nHopefully, you find yourself with some “extra” money after paying for your needs. You can use the <a href=\"//coursofppt.com/wp-content/uploads/114280.Desired-Monthly-Expenditures_0008b.pdf\" target=\"_blank\" rel=\"noopener\">Desired Monthly Expenditures worksheet</a> to figure out your wants and how much you’d like to spend on them.\r\n\r\nAfter you add all your needs with the list of wants, you will likely discover that you have little or no surplus cash. If you determine that you have negative cash flow, you should prioritize your expenditures so that you don’t plan to spend more than you bring in.\r\n<h2 id=\"tab3\" >Solving for shortfalls</h2>\r\nIf you have a shortfall after you calculate your required expenses, something has to give. Consider the following suggestions when you’re faced with a shortfall:\r\n<ul class=\"level-one\">\r\n \t<li>\r\n<p class=\"first-para\"><b>Don’t completely cut out any of your required expenditures.</b> You may be tempted to consider dropping insurance coverage and/or the amount of money you save for a “rainy day” if you don’t have surplus cash flow. You aren’t doing yourself any favors by skipping these items, and the decision will come back to haunt you sooner or later.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\"><b>Review each of the needs categories and consider ways to cut down on necessary expenses.</b> For example, you may be able to obtain less expensive insurance and save money on groceries, clothing, and transportation by shopping around.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\"><b>Consider your employment.</b> Often, the only reasonable option you and your spouse or partner may have is to increase your income by working overtime, taking on a part-time job, or possibly even changing jobs.</p>\r\n</li>\r\n</ul>","description":"After you determine your actual spendable income, you can focus on how that remaining money needs to be spent. The first step to creating a budget is to sort expenses into three categories: needs, wants, and luxury items. But how do you distinguish between the three?\r\n<div class=\"imageBlock\" style=\"width: 500px;\">\r\n\r\n[caption id=\"\" align=\"alignnone\" width=\"500\"]<img src=\"//coursofppt.com/wp-content/uploads/479679.image0.jpg\" alt=\"\" width=\"500\" height=\"332\" /> © i-frontier / iStockphoto.com[/caption]\r\n\r\n</div>\r\nWhat qualifies as a <i>need</i> can sometimes be blurry. A person basically has very few true <i>needs:</i> shelter, clean water, food and a way to prepare it, clothing, and warmth. Of course, it isn't realistic to expect a person to thrive with only these items. If you have a job, you need to be able to get there; you and your family need to protect themselves and their health; and you might be legally required to make other payments.\r\n\r\nBut not everything you feel like you need actually is a <i>need.</i> Unless it's required for your job (in which case you ought to be reimbursed or deduct the expenses from your taxes).\r\n\r\nIn order to create a budget for yourself, you first need to take a hard look at what you need versus what you want.\r\n<h2 id=\"tab1\" >Figuring required expenses</h2>\r\nYour required expenses, or needs, must come first. To figure out what your required expenses are, fill out this <a href=\"//coursofppt.com/wp-content/uploads/114224.0008a_Required-Monthly-Expenses.pdf\" target=\"_blank\" rel=\"noopener\">Required Monthly Expenses worksheet</a>.\r\n\r\nIf you have a surplus after meeting your required living expenses, go ahead and check out the next section on using your excess money for wants.\r\n<p class=\"Tip\">If you aren’t already doing so, set up automatic monthly withdrawals from your paycheck or your checking account to pay for or fund each of the required expenditures. That way, your requirements are met automatically each and every month, and whatever is left over is yours to spend however you see fit.</p>\r\n\r\n<h2 id=\"tab2\" >Wading through your wants</h2>\r\nHopefully, you find yourself with some “extra” money after paying for your needs. You can use the <a href=\"//coursofppt.com/wp-content/uploads/114280.Desired-Monthly-Expenditures_0008b.pdf\" target=\"_blank\" rel=\"noopener\">Desired Monthly Expenditures worksheet</a> to figure out your wants and how much you’d like to spend on them.\r\n\r\nAfter you add all your needs with the list of wants, you will likely discover that you have little or no surplus cash. If you determine that you have negative cash flow, you should prioritize your expenditures so that you don’t plan to spend more than you bring in.\r\n<h2 id=\"tab3\" >Solving for shortfalls</h2>\r\nIf you have a shortfall after you calculate your required expenses, something has to give. Consider the following suggestions when you’re faced with a shortfall:\r\n<ul class=\"level-one\">\r\n \t<li>\r\n<p class=\"first-para\"><b>Don’t completely cut out any of your required expenditures.</b> You may be tempted to consider dropping insurance coverage and/or the amount of money you save for a “rainy day” if you don’t have surplus cash flow. You aren’t doing yourself any favors by skipping these items, and the decision will come back to haunt you sooner or later.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\"><b>Review each of the needs categories and consider ways to cut down on necessary expenses.</b> For example, you may be able to obtain less expensive insurance and save money on groceries, clothing, and transportation by shopping around.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\"><b>Consider your employment.</b> Often, the only reasonable option you and your spouse or partner may have is to increase your income by working overtime, taking on a part-time job, or possibly even changing jobs.</p>\r\n</li>\r\n</ul>","blurb":"","authors":[],"primaryCategoryTaxonomy":{"categoryId":34275,"title":"Budgeting","slug":"budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[{"label":"Figuring required expenses","target":"#tab1"},{"label":"Wading through your wants","target":"#tab2"},{"label":"Solving for shortfalls","target":"#tab3"}],"relatedArticles":{"fromBook":[],"fromCategory":[{"articleId":202925,"title":"How to Create a Monthly Budget","slug":"how-to-create-a-monthly-budget","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202925"}},{"articleId":202833,"title":"How to Stay Cool during Summer for Less Money","slug":"how-to-stay-cool-during-summer-for-less-money","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202833"}},{"articleId":197142,"title":"Financial Planning with Your Family","slug":"financial-planning-with-your-family","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197142"}},{"articleId":197129,"title":"How to Track Your Expenses","slug":"how-to-track-your-expenses","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197129"}},{"articleId":197120,"title":"Do You Overspend?","slug":"do-you-overspend","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197120"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":0,"slug":null,"isbn":null,"categoryList":null,"amazon":null,"image":null,"title":null,"testBankPinActivationLink":null,"bookOutOfPrint":false,"authorsInfo":null,"authors":null,"_links":null},"collections":[{"title":"Make a Commitment to Better Yourself","slug":"make-a-commitment-to-better-yourself","collectionId":290164}],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[null]}]\" id=\"du-slot-63221b02eaabe\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[null]}]\" id=\"du-slot-63221b02eb53b\"></div></div>"},"articleType":{"articleType":"Articles","articleList":null,"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Solve","lifeExpectancy":"One year","lifeExpectancySetFrom":"2022-10-15T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":142865},{"headers":{"creationTime":"2017-03-26T20:19:55+00:00","modifiedTime":"2022-07-02T21:24:48+00:00","timestamp":"2023-09-14T18:18:21+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"},"slug":"budgeting","categoryId":34275}],"title":"How to Use Food Stamps (the SNAP Card)","strippedTitle":"how to use food stamps (the snap card)","slug":"how-to-use-food-stamps-the-snap-card","canonicalUrl":"","检指数擎调优提升系统":{"metaDescription":"Whether you call it Food Stamps, SNAP, or EBT, this quick article walks you through the ways you can and can't use your SNAP card.","noIndex":0,"noFollow":0},"content":"The federal Food Stamp Program is now called Supplemental Nutrition Assistance Program (SNAP); and instead of issuing paper food stamp coupons, SNAP recipients get an electronic benefit transfer (EBT) card to use in participating stores. When paying for groceries, you just swipe the EBT card in the same card reader that's used for credit and debit cards, put in your PIN number, and that's it!\r\n\r\nWhether you call it food stamps, a SNAP card, or the EBT card, here are some pointers to remember for using it:\r\n<ul class=\"level-one\">\r\n \t<li>\r\n<p class=\"first-para\">At the end of your purchase transaction, you should be able to see how much money is left in your account.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">You can't debit a higher amount than the cash register total and get cash back.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Most participating stores indicate that they are SNAP members by displaying a sign in their window, but if you're not sure, ask the service counter or one of the cashiers. (The sign might say something like \"We Accept Food Stamps, EBT, or SNAP Benefits.\")</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">You can buy most types of edible items in categories that you'd find in a supermarket: dairy, meats, produce, and so on. (Seeds that will be used to grow edible foods are also eligible.)</p>\r\nItems that you <em>can</em><em>'t</em> <em>buy </em>with food stamps include:\r\n<ul class=\"level-two\">\r\n \t<li>\r\n<p class=\"first-para\">Alcoholic beverages and cigarettes</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Vitamins and medicines</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Any food that will be eaten in the store</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Any hot food</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Non-edible items like laundry supplies, paper products, and pet foods</p>\r\n</li>\r\n</ul>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Your EBT card is good in all 50 states, even though you may have enrolled in one particular state. (The card doesn't work in Puerto Rico but does in the District of Columbia, Guam, and the U.S. Virgin Islands.)</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Any food stamp benefits that you don't use in one month will be carried over to the next month. However, if you don't use your SNAP card for a year, you will no longer be entitled to receive benefits.</p>\r\n</li>\r\n</ul>\r\nWhile SNAP is a federal program run by the U.S. Department of Agriculture, eligibility is handled by each state — and each state has its own set of rules. To find out if you're eligible for SNAP benefits, <a href=\"//www.fns.usda.gov/snap/state-directory\" target=\"_blank\" rel=\"noopener\">contact your local SNAP office</a>.","description":"The federal Food Stamp Program is now called Supplemental Nutrition Assistance Program (SNAP); and instead of issuing paper food stamp coupons, SNAP recipients get an electronic benefit transfer (EBT) card to use in participating stores. When paying for groceries, you just swipe the EBT card in the same card reader that's used for credit and debit cards, put in your PIN number, and that's it!\r\n\r\nWhether you call it food stamps, a SNAP card, or the EBT card, here are some pointers to remember for using it:\r\n<ul class=\"level-one\">\r\n \t<li>\r\n<p class=\"first-para\">At the end of your purchase transaction, you should be able to see how much money is left in your account.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">You can't debit a higher amount than the cash register total and get cash back.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Most participating stores indicate that they are SNAP members by displaying a sign in their window, but if you're not sure, ask the service counter or one of the cashiers. (The sign might say something like \"We Accept Food Stamps, EBT, or SNAP Benefits.\")</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">You can buy most types of edible items in categories that you'd find in a supermarket: dairy, meats, produce, and so on. (Seeds that will be used to grow edible foods are also eligible.)</p>\r\nItems that you <em>can</em><em>'t</em> <em>buy </em>with food stamps include:\r\n<ul class=\"level-two\">\r\n \t<li>\r\n<p class=\"first-para\">Alcoholic beverages and cigarettes</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Vitamins and medicines</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Any food that will be eaten in the store</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Any hot food</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Non-edible items like laundry supplies, paper products, and pet foods</p>\r\n</li>\r\n</ul>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Your EBT card is good in all 50 states, even though you may have enrolled in one particular state. (The card doesn't work in Puerto Rico but does in the District of Columbia, Guam, and the U.S. Virgin Islands.)</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\">Any food stamp benefits that you don't use in one month will be carried over to the next month. However, if you don't use your SNAP card for a year, you will no longer be entitled to receive benefits.</p>\r\n</li>\r\n</ul>\r\nWhile SNAP is a federal program run by the U.S. Department of Agriculture, eligibility is handled by each state — and each state has its own set of rules. To find out if you're eligible for SNAP benefits, <a href=\"//www.fns.usda.gov/snap/state-directory\" target=\"_blank\" rel=\"noopener\">contact your local SNAP office</a>.","blurb":"","authors":[{"authorId":10140,"name":"Pierre Lehu","slug":"pierre-lehu","description":"","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/10140"}}],"primaryCategoryTaxonomy":{"categoryId":34275,"title":"Budgeting","slug":"budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[],"fromCategory":[{"articleId":202925,"title":"How to Create a Monthly Budget","slug":"how-to-create-a-monthly-budget","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202925"}},{"articleId":202833,"title":"How to Stay Cool during Summer for Less Money","slug":"how-to-stay-cool-during-summer-for-less-money","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202833"}},{"articleId":197142,"title":"Financial Planning with Your Family","slug":"financial-planning-with-your-family","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197142"}},{"articleId":197129,"title":"How to Track Your Expenses","slug":"how-to-track-your-expenses","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197129"}},{"articleId":197120,"title":"Do You Overspend?","slug":"do-you-overspend","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197120"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":0,"slug":null,"isbn":null,"categoryList":null,"amazon":null,"image":null,"title":null,"testBankPinActivationLink":null,"bookOutOfPrint":false,"authorsInfo":null,"authors":null,"_links":null},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[null]}]\" id=\"du-slot-63221aed892a5\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[null]}]\" id=\"du-slot-63221aed89ba2\"></div></div>"},"articleType":{"articleType":"Articles","articleList":null,"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Solve","lifeExpectancy":"Two years","lifeExpectancySetFrom":"2022-07-01T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":187099},{"headers":{"creationTime":"2017-03-26T23:10:40+00:00","modifiedTime":"2017-03-26T23:10:40+00:00","timestamp":"2023-09-14T18:12:24+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"},"slug":"budgeting","categoryId":34275}],"title":"How to Create a Monthly Budget","strippedTitle":"how to create a monthly budget","slug":"how-to-create-a-monthly-budget","canonicalUrl":"","检指数擎调优提升系统":{"metaDescription":"Does the word budget send chills up your spine? It shouldn’t. Budgets allow you to have some control over what you spend. A monthly budget can help you to decid","noIndex":0,"noFollow":0},"content":"<p>Does the word budget send chills up your spine? It shouldn’t. Budgets allow you to have some control over what you spend. A monthly budget can help you to decide how to spend your money, plan for your future, pay off existing debt, and save a few pennies each month by reducing wasteful and impulsive purchases. To create your monthly budget</p>\n<ul class=\"level-one\">\n <li><p class=\"first-para\">Categorize your expenses.</p>\n<p class=\"child-para\">When you begin setting up a monthly budget, start with big categories before breaking your budget down into smaller expense categories.</p>\n </li>\n <li><p class=\"first-para\">From your list of expenses, develop two separate budget lists, one for essentials and the other for extras.</p>\n<p class=\"child-para\">Within each general budget category, some items are essential (the mortgage or rent payment, electric bill, and groceries); others are extra (new furniture, gifts, and pizza delivery).</p>\n </li>\n <li><p class=\"first-para\">Look through these lists to find flexible budget expenses where you can cut back.</p>\n<p class=\"child-para\">Put a star next to these flexible items so you can identify them.</p>\n </li>\n <li><p class=\"first-para\">Estimate what you spend.</p>\n<p class=\"child-para\">Go through your checkbook and any other receipts or records you’ve kept over the past few months so you can track how much you actually spend on both essentials and extras.</p>\n </li>\n <li><p class=\"first-para\">Add up your budget essentials list and the extras list separately.</p>\n<p class=\"child-para\">By keeping the lists separate, you can make cuts more easily, if you need to.</p>\n </li>\n <li><p class=\"first-para\">Subtract the essentials total from your monthly income and, if you have money left over, subtract the extras total from that amount.</p>\n<p class=\"child-para\">If you still have money left over, great! Look into a savings or investing plan (talk to your bank or a certified financial planner for help setting up a plan).</p>\n </li>\n <li><p class=\"first-para\">If your extras list takes you into negative numbers, start looking for places to cut back.</p>\n<p class=\"child-para\">You can also trim from the extras list to put more money toward debt repayment if that’s a high priority in your financial picture.</p>\n </li>\n</ul>","description":"<p>Does the word budget send chills up your spine? It shouldn’t. Budgets allow you to have some control over what you spend. A monthly budget can help you to decide how to spend your money, plan for your future, pay off existing debt, and save a few pennies each month by reducing wasteful and impulsive purchases. To create your monthly budget</p>\n<ul class=\"level-one\">\n <li><p class=\"first-para\">Categorize your expenses.</p>\n<p class=\"child-para\">When you begin setting up a monthly budget, start with big categories before breaking your budget down into smaller expense categories.</p>\n </li>\n <li><p class=\"first-para\">From your list of expenses, develop two separate budget lists, one for essentials and the other for extras.</p>\n<p class=\"child-para\">Within each general budget category, some items are essential (the mortgage or rent payment, electric bill, and groceries); others are extra (new furniture, gifts, and pizza delivery).</p>\n </li>\n <li><p class=\"first-para\">Look through these lists to find flexible budget expenses where you can cut back.</p>\n<p class=\"child-para\">Put a star next to these flexible items so you can identify them.</p>\n </li>\n <li><p class=\"first-para\">Estimate what you spend.</p>\n<p class=\"child-para\">Go through your checkbook and any other receipts or records you’ve kept over the past few months so you can track how much you actually spend on both essentials and extras.</p>\n </li>\n <li><p class=\"first-para\">Add up your budget essentials list and the extras list separately.</p>\n<p class=\"child-para\">By keeping the lists separate, you can make cuts more easily, if you need to.</p>\n </li>\n <li><p class=\"first-para\">Subtract the essentials total from your monthly income and, if you have money left over, subtract the extras total from that amount.</p>\n<p class=\"child-para\">If you still have money left over, great! Look into a savings or investing plan (talk to your bank or a certified financial planner for help setting up a plan).</p>\n </li>\n <li><p class=\"first-para\">If your extras list takes you into negative numbers, start looking for places to cut back.</p>\n<p class=\"child-para\">You can also trim from the extras list to put more money toward debt repayment if that’s a high priority in your financial picture.</p>\n </li>\n</ul>","blurb":"","authors":[],"primaryCategoryTaxonomy":{"categoryId":34275,"title":"Budgeting","slug":"budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[],"fromCategory":[{"articleId":202833,"title":"How to Stay Cool during Summer for Less Money","slug":"how-to-stay-cool-during-summer-for-less-money","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202833"}},{"articleId":197142,"title":"Financial Planning with Your Family","slug":"financial-planning-with-your-family","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197142"}},{"articleId":197129,"title":"How to Track Your Expenses","slug":"how-to-track-your-expenses","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197129"}},{"articleId":197120,"title":"Do You Overspend?","slug":"do-you-overspend","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197120"}},{"articleId":187354,"title":"5 Tips to Save Money","slug":"5-tips-to-save-money","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/187354"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":0,"slug":null,"isbn":null,"categoryList":null,"amazon":null,"image":null,"title":null,"testBankPinActivationLink":null,"bookOutOfPrint":false,"authorsInfo":null,"authors":null,"_links":null},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[null]}]\" id=\"du-slot-632219886e72e\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[null]}]\" id=\"du-slot-632219886efe7\"></div></div>"},"articleType":{"articleType":"Articles","articleList":null,"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Solve","lifeExpectancy":null,"lifeExpectancySetFrom":null,"dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":202925},{"headers":{"creationTime":"2017-03-26T22:17:06+00:00","modifiedTime":"2017-03-26T22:17:06+00:00","timestamp":"2023-09-14T18:11:06+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"},"slug":"budgeting","categoryId":34275}],"title":"Financial Planning with Your Family","strippedTitle":"financial planning with your family","slug":"financial-planning-with-your-family","canonicalUrl":"","检指数擎调优提升系统":{"metaDescription":"Your financial plan should involve the dreams, goals, resources, and responsibilities of the entire family. If you have a spouse, partner, or children, you may ","noIndex":0,"noFollow":0},"content":"<p>Your financial plan should involve the dreams, goals, resources, and responsibilities of the entire family. If you have a spouse, partner, or children, you may need to provide guidance as your family develops a financial plan. The success of any financial plan is dependent on the support, persistence, and dedication of all people involved. Without the participation of the entire household, you’ll face a continual uphill battle when it comes to your finances.</p>\n<p>Your spouse, partner, or children can be a help or a hindrance. As a family, you will face many challenges along your financial journey. But if family members are truly on board, they will work to help find solutions and not create additional challenges for you.</p>\n<p>How do you get your family on board with your financial goals? You must inspire them, just like a coach might. A coach needs the cooperation and coordination of each player on his team. In order to get teams to pull together, great coaches lead by example and command the utmost respect from each and every team member. Their team members strive to perform at their very best each and every game, not only for themselves, but also for their coach and their team. Great coaches inspire greatness.</p>\n<p>So how can you inspire your family when it comes to your personal finances? Share your vision, in living color, with your family members — your team. When you present your vision, make sure that you include the vivid details of why a goal is important to you and your family, and what accomplishing this goal will enable you all to enjoy. Elaborate on the payoff for putting in the hard work, compromise, or sacrifices that may be required to achieve these goals. The example shown here points out the objective and provides a few suggestions to help family members design creative solutions instead of just focusing on problems.</p>\n<img src=\"//coursofppt.com/wp-content/uploads/114363.image0.jpg\" width=\"509\" height=\"400\" alt=\"image0.jpg\"/>\n<p>Now you must figure out how to inspire your own family. On a sheet of paper, write down what you’d like to say to your family as you seek to bring them on board with your financial future. What subjects are near and dear to your spouse’s or children’s hearts? Start there — they’ll be highly motivated to help you help them get what they want.</p>","description":"<p>Your financial plan should involve the dreams, goals, resources, and responsibilities of the entire family. If you have a spouse, partner, or children, you may need to provide guidance as your family develops a financial plan. The success of any financial plan is dependent on the support, persistence, and dedication of all people involved. Without the participation of the entire household, you’ll face a continual uphill battle when it comes to your finances.</p>\n<p>Your spouse, partner, or children can be a help or a hindrance. As a family, you will face many challenges along your financial journey. But if family members are truly on board, they will work to help find solutions and not create additional challenges for you.</p>\n<p>How do you get your family on board with your financial goals? You must inspire them, just like a coach might. A coach needs the cooperation and coordination of each player on his team. In order to get teams to pull together, great coaches lead by example and command the utmost respect from each and every team member. Their team members strive to perform at their very best each and every game, not only for themselves, but also for their coach and their team. Great coaches inspire greatness.</p>\n<p>So how can you inspire your family when it comes to your personal finances? Share your vision, in living color, with your family members — your team. When you present your vision, make sure that you include the vivid details of why a goal is important to you and your family, and what accomplishing this goal will enable you all to enjoy. Elaborate on the payoff for putting in the hard work, compromise, or sacrifices that may be required to achieve these goals. The example shown here points out the objective and provides a few suggestions to help family members design creative solutions instead of just focusing on problems.</p>\n<img src=\"//coursofppt.com/wp-content/uploads/114363.image0.jpg\" width=\"509\" height=\"400\" alt=\"image0.jpg\"/>\n<p>Now you must figure out how to inspire your own family. On a sheet of paper, write down what you’d like to say to your family as you seek to bring them on board with your financial future. What subjects are near and dear to your spouse’s or children’s hearts? Start there — they’ll be highly motivated to help you help them get what they want.</p>","blurb":"","authors":[],"primaryCategoryTaxonomy":{"categoryId":34275,"title":"Budgeting","slug":"budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[],"fromCategory":[{"articleId":202925,"title":"How to Create a Monthly Budget","slug":"how-to-create-a-monthly-budget","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202925"}},{"articleId":202833,"title":"How to Stay Cool during Summer for Less Money","slug":"how-to-stay-cool-during-summer-for-less-money","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202833"}},{"articleId":197129,"title":"How to Track Your Expenses","slug":"how-to-track-your-expenses","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197129"}},{"articleId":197120,"title":"Do You Overspend?","slug":"do-you-overspend","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197120"}},{"articleId":187354,"title":"5 Tips to Save Money","slug":"5-tips-to-save-money","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/187354"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":0,"slug":null,"isbn":null,"categoryList":null,"amazon":null,"image":null,"title":null,"testBankPinActivationLink":null,"bookOutOfPrint":false,"authorsInfo":null,"authors":null,"_links":null},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[null]}]\" id=\"du-slot-6322193a24136\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[null]}]\" id=\"du-slot-6322193a24a12\"></div></div>"},"articleType":{"articleType":"Articles","articleList":null,"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Solve","lifeExpectancy":null,"lifeExpectancySetFrom":null,"dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":197142},{"headers":{"creationTime":"2017-03-26T22:16:53+00:00","modifiedTime":"2017-03-26T22:16:53+00:00","timestamp":"2023-09-14T18:11:05+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"},"slug":"budgeting","categoryId":34275}],"title":"How to Track Your Expenses","strippedTitle":"how to track your expenses","slug":"how-to-track-your-expenses","canonicalUrl":"","检指数擎调优提升系统":{"metaDescription":"Tracking your expenses is especially useful when your outgoing cash flow exceeds your income. Fortunately, you don’t need to go back and tally up months’ worth ","noIndex":0,"noFollow":0},"content":"<p>Tracking your expenses is especially useful when your outgoing cash flow exceeds your income. Fortunately, you don’t need to go back and tally up months’ worth of checking account registers, credit- and debit-card statements, and cash withdrawals. This is a very time-consuming and painful exercise. Just estimate!</p>\n<p>Use the Cash Flow Monitoring worksheet to help you monitor your spending for the next couple of months. As you pay your bills, complete the worksheet.</p>\n<img src=\"//coursofppt.com/wp-content/uploads/114387.image0.jpg\" width=\"518\" height=\"400\" alt=\"image0.jpg\"/>\n<p><a href=\"//coursofppt.com/wp-content/uploads/114323.0009a.pdf\" target=\"_blank\">Click here to download and print the Cash Flow Monitoring worksheet.</a></p>\n<p>If you're looking for a simpler method of tracking your expenses, you can use the Expense Tracking Log to track every cent of just the surplus money — after all your taxes, bills, and other necessaries are paid — that you have to spend.</p>\n<img src=\"//coursofppt.com/wp-content/uploads/114388.image1.jpg\" width=\"296\" height=\"400\" alt=\"image1.jpg\"/>\n<p><a href=\"//media.wiley.com/Lux/assets/43/114243.099339 un0304.pdf\" target=\"_blank\">Click here to download and print the expense tracking log.</a></p>\n<p>Write down every occasion you spend your surplus money, whether you buy your morning coffee, an afternoon soda at work, or gas on the way home. Account for every cent. Also, track whether you paid with cash, check, debit card, or credit card; whom you paid; and whether the expense is a need or a want.</p>\n<p>Use one log for each pay period. Note at the top of the worksheet how much your beginning surplus is (which you'll need to figure separately) and subtract from that amount each expenditure.</p>\n<p>By keeping your eye on the “magic number” (your surplus cash flow after meeting your required expenses), you can simply spend your money any way that pleases you — so long as you don’t exceed the “magic number.” No more detailed budget keeping required.</p>","description":"<p>Tracking your expenses is especially useful when your outgoing cash flow exceeds your income. Fortunately, you don’t need to go back and tally up months’ worth of checking account registers, credit- and debit-card statements, and cash withdrawals. This is a very time-consuming and painful exercise. Just estimate!</p>\n<p>Use the Cash Flow Monitoring worksheet to help you monitor your spending for the next couple of months. As you pay your bills, complete the worksheet.</p>\n<img src=\"//coursofppt.com/wp-content/uploads/114387.image0.jpg\" width=\"518\" height=\"400\" alt=\"image0.jpg\"/>\n<p><a href=\"//coursofppt.com/wp-content/uploads/114323.0009a.pdf\" target=\"_blank\">Click here to download and print the Cash Flow Monitoring worksheet.</a></p>\n<p>If you're looking for a simpler method of tracking your expenses, you can use the Expense Tracking Log to track every cent of just the surplus money — after all your taxes, bills, and other necessaries are paid — that you have to spend.</p>\n<img src=\"//coursofppt.com/wp-content/uploads/114388.image1.jpg\" width=\"296\" height=\"400\" alt=\"image1.jpg\"/>\n<p><a href=\"//media.wiley.com/Lux/assets/43/114243.099339 un0304.pdf\" target=\"_blank\">Click here to download and print the expense tracking log.</a></p>\n<p>Write down every occasion you spend your surplus money, whether you buy your morning coffee, an afternoon soda at work, or gas on the way home. Account for every cent. Also, track whether you paid with cash, check, debit card, or credit card; whom you paid; and whether the expense is a need or a want.</p>\n<p>Use one log for each pay period. Note at the top of the worksheet how much your beginning surplus is (which you'll need to figure separately) and subtract from that amount each expenditure.</p>\n<p>By keeping your eye on the “magic number” (your surplus cash flow after meeting your required expenses), you can simply spend your money any way that pleases you — so long as you don’t exceed the “magic number.” No more detailed budget keeping required.</p>","blurb":"","authors":[],"primaryCategoryTaxonomy":{"categoryId":34275,"title":"Budgeting","slug":"budgeting","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34275"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[],"fromCategory":[{"articleId":202925,"title":"How to Create a Monthly 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Money","slug":"5-tips-to-save-money","categoryList":["business-careers-money","personal-finance","budgeting"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/187354"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":0,"slug":null,"isbn":null,"categoryList":null,"amazon":null,"image":null,"title":null,"testBankPinActivationLink":null,"bookOutOfPrint":false,"authorsInfo":null,"authors":null,"_links":null},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;budgeting&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[null]}]\" id=\"du-slot-63221939f3d26\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div 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