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Money Management Help Part 2

This is part two of our two part series on money management. In order to follow through with management you need to make sure you following through with the right tips to help you get going. It is not a bad thing to look for help, just make sure that you use it correctly.


Budgeting is so important. You might wonder how this is any different from tracking your spending. Well, when you make a budget you are telling yourself that you only have a certain amount of money to spend. When you track spending you are just seeing what you spend. Budgeting takes money management to a whole new step. You just need to know how much you can spend and still have enough money so you are not going under. After you track spending then a budget can really become much clearer. You will be much more open to where you can start saving money, which will help the budget.

Behavior Change

Alright, after you track spending and make a budget you actually need to change your behavior! If you do not change your behavior with your new findings then you really are not changing anything for the positive. This is a way to help get organized, so take it! A behavior change is not a sign of weakness, rather it is a sign that you want to be responsible and helpful to those who might be counting on you. It is one thing to learn better way of managing money, but it is another to actually go and act on those findings.

Thinking of Borrowing?

Using credit is not a bad thing. It can really be helpful in some tough times. You just need to make sure that you manage this money just like you would any money that is not credit related. Falling into credit debt could really put a dent in your money management goals. You will have monthly payments whenever you go and borrow money. It is important that you work those payments into your budget, and just act like they are a normal payment until you have paid it all off. Also, this might really help you weigh whether or not you want to use credit. When you know you have to pay back on time it really makes things a lot different.

Bill Tracking

That leads us into bill tracking. We all have bills. It is just a part of life. The final thing you need to do to have good money management is to make sure that you know all you can about your bills. Know what you have to pay each month, when it is due, and how much more you have to pay on it. This should all be worked into your budget, and it needs to be worked in first before anything less. The reason for this is if you do not work it in and you forget about it then that is when the real trouble can begin for your financial situation.

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