Creation of a Budget
We're not only referring to personal matters. We're talking about financial matters.
We reach a point where we have to buy something out of necessity, but we can't pay in full just yet. An example of this is a home.
Now the time has come for you to repay on what you own. You must have the discipline to plan out how much you should have saved so when your time is up and you have to shell out the money you owed there and then (plus interest), you wouldn't have a hard time doing so.
Prioritize which of the debts must be paid first.
Make a list of all your bills and regular household expenses so it would be more organized because you could see it right in front of you.
This is what you call establishing goals. Establish first what must be prioritized over those you could schedule paying some other time.
The essential debts are debts that should be on top of your list.
These are:
- Rent or mortgage. Of course, who in his right mind won't pay up as soon as possible. Paying your rent or mortgage bills on time helps you have a roof over your head.
- Child support. If you don't pay on time, there's a possibility you can be held behind bars.
- Utility bills. As much as possible, set aside a budget on gas, heating, water, electricity or telephone when you get your paycheck. In doing so, when the bill comes, then you have something prepared.
- Car payments. This also includes car maintenance.
- Other secured loans. If you don't repay collaterals, the creditor takes the property even without court interference.
The non-essential debts can be set aside because when these aren't paid, they don't have that much of a side effect. It's a desired goal but not really a priority.
The only concern that can be considered when you don't pay non-essentials debts for a long period of time is the negative image it could project on your credit report.
- Department store and gasoline charges. Failure to pay these charges may result in losing credit card privileges. If it's too large, you might be sued.
- Loans from friends and relatives. Morally speaking, there is an obligation to pay but sometimes since they're family, we think that they will understand if we can't.
Check with them if you can delay the payment and ask them for how long.
- Newspaper and magazine subscriptions. Little by little, if you haven't paid, they'll amount to so much.
- Legal and accounting bills. If these remain unpaid after a long period of time, then that's when you might be sued.
- Other unsecured loans. In unsecured loans, there's no collateral for the debt. This means that the creditor can sue and then collect the debt.
Here's the confusing part for most people!
Some of the bills border between essential and non-essential.
If you let these bills defer for a long period of time, it could have consequences in your personal life.
- Auto insurance. The consequence in some states is losing your driver's license.
- Medical insurance of bills. If you have a tainted record, you might have a hard time getting new insurance in the future.
- Credit and charge cards. If you don't pay your bills on time, you might lose your credit privileges and would have a hard time applying for a new credit card.
Now that we laid out the groundwork on how you can prioritize which bill to pay first, we move on to having a time frame.
It's best that you have a calendar in front of you. A palm pilot or the calendar in your Microsoft Office program will do.
Mark the dates wherein you would have to pay the specific debt - be it essential or non-essential. Then what you can do is set aside the bill that is allotted for that debt.
As for the budget, prevention is always better than cure. You know how much you get in a month.
Bearing that in mind, you must allot how much percentage of your salary shall go to which. Then do your best to stick to that budget.
If this is how much you should spend for leisure, then that's how much you should spend for leisure.
If at one point, it went overboard, then there would have to be a sacrifice on another aspect, such as food. That seems off, right?
So even in budget, you must also list down which is number one for you. Have the discipline to stick to your priority, your budget and your time frame. If you succeeded, paying the bills won't be any problem.
You can get more tips here about Thrifty Living: Be Thrifty, Make A Budget.
Want some help with your budget?
You can get a really useful tool here to give you a great head start on preparing your first family budget, one that you can live with !
Thrifty Living: Be Thrifty, Make A Budget.
Saving Money on Bills
The best way to save is to invest your money.
Once you have prepared your family budget, you still need to know how to STICK to it! This means you really need to get smarter about ways to SAVE MONEY and cut back on your expensesHere are some money saving tips you can use on your bills.
1. You should know how to itemize your everyday expenses. Think of the things that you should cut from your expenses. You should learn how you can live without the things that you usually have.
You should realize that there are things that may be not that important for your daily needs.
2. Save the change that is left in your pocket. You may put it in your piggy bank. In case you are short of cash, you will realize that there are some savings in your piggy bank that you can use.
You can also see how these coins add up after some months of putting your change in the piggy bank.
3. Make a list of the things that are important to you. In this way, you may cut items that you usually include in your shopping.
Shop for only the things that you really need.
4. You may do your shopping once a week or twice a month. Know what items you will need for the rest of the week.
In this way, you will be able to cut your gasoline expenses every time you go to the supermarket for groceries.
5. You should set up a regular money transfer on your checking account to your savings account deposits.
You may do this using an online money transfer or electronic money transfer where your monthly salary is deposited.
6. Learn to limit yourself from drinking alcohol. You should also quit smoking. This will help you in saving more money and at the same time providing yourself a better health.
You may find it challenging at first when you cut out some items that you usually include on your shopping lists. Cutting back your expenses is the best way to save money.
You will eventually realize that there are even more important things where you can allot your money.
Great Budgeting With Amazon
You Can Still Save Money even when Kids are Around
You should be an example for your kids when it comes to saving money.
Your kids are smart enough to understand the value of saving and managing their own money. You should deal with your kids about money management at an early age. In this way, you will teach them the importance of having a good financial habit while applying it as they grow.
Kids may learn how to deal with their money by teaching them and allowing them to experience how to handle an allowance.
Kids having a budgeted allowance will make their spending choices more reasonable. They will also appreciate the things that they buy when they use their money.
When determining how much money you will give them, you should know the things that they need to buy for school. Let them make their choices on what food or items they will buy at school.
Most of the time kids allot their allowances for the things they spend in school, sharing it with their friends, or saving a portion of their allowance for future uses.
Here are some tips on how to give your kids a reasonable allowance that they can manage.
1. You have to decide how much money you will give your kids for the week. Know the expenses that they will spend in school such as meals, classroom daily contributions and other miscellaneous expenses.
2. Teach your child to work for his allowance. You may assign several weekly tasks that he can do conveniently. He may do the dishes for you, clean the kitchen, or clean his room. In this way, he will value his allowance more since he worked for it.
3. Teach your child how to make the right purchases. In this way, he will learn to select the items that he needs most.
4. You may spend some time in helping your kids to understand how to manage and count money wisely. Let them pay simple buys when in the mall or at a store.
You should always monitor your kids' use of the money. You can ask them what they bought for their allowances for the day.
In this way, you can guide them on what reasonable items they will spend for their allowances. Discuss with your kids that it is important to manage their allowances.
This will help them develop a sense of responsibility in saving money.
What is your #1 worry about Money and Budgets right now?
How to Save Money on Your Grocery Shopping
One of the basic necessities is your stocks of groceries in your household
And your budget for the groceries could make or break your budget for your weekly funds that should be allotted on other things. This is how flexible the budget for the groceries could be. This flexibility should be handled properly.
Here are tips on how you can save money for your groceries:
* Make sure you aren't hungry before you go to the Grocery Store - studies have shown that shoppers tend to buy more in the grocery stores when they are hungry.
This is the reason why some grocery shops have their bakery along the entrance of the store.
The smell of the freshly baked breads and cakes could really make you hungry. And this could make you shop and spend more than what you intended.
The best way to handle this is to make sure your stomach is not empty, if no food can be taken; drink at least a glass or two of water. Shopping when you're full will surely help you combat the temptations of the mouth-watering smells inside the grocery store.
* Try to look up and down on the shelves - make sure that you search the higher and lower shelves.
The more expensive brands are normally located on the shelves on your chest level. The cheaper or generic brands are either located below or higher than your average sight.
* Shop alone - try to find time to go to the grocery store by yourself. When you ask for helpers, they tend to increase your bill.
* Go to the store at the early time of the day - when you go to the grocery store early in the morning, you tend to finish with your list a little faster, thus avoiding the need to roam around and get attracted to unnecessary expenses.
* Shop when you are in a good mood - when you shop and you feel tired, you tend to buy more sweets, chocolates and high-carbohydrates. And when you are mad, you tend to buy more junk food.
* Don't buy non-grocery items - grocery shops normally sell some non-grocery items like contact lens and painkillers. These products normally cost more at the grocery stores.
* Always bring your calculator - make sure to shop with your calculator. In this way, you can easily compute how much you save when buying in-packs or individually wrapped items.
* Check your receipts every after shopping, mistakes can happen no matter how much you avoid them. Remember that every cent counts.
* Buy foods that are fresh, cheap and seasoned food. With fewer dealers involved, the cheaper, fresher and better quality of food that you can get for your family.
* Make sure to double check the weighs of the pre-packed goodies that you buy. Sometimes they lack a little pound or weigh less than what they normally should. Make it a point that you get all your hard-earned money's worth.
* When you specifically went to your favorite grocery shop for a definite item on sale and suddenly knowing that it's no longer available.
Make sure that you make a rain check and ask for the next stocks to arrive. So that you'll be early the next time the stocks reach the store.
* Check the ends and edges of the grocery store. More often than not, the healthy and fresher which are less processed foods are located at the ends of the grocery shops.
Fruits, vegetables, Dairy products and meats are examples of these.
Avoid walking through the main areas, since these regions are normally where the products are very expensive and cost more.
* It's important to focus on the price of the item. Make sure to check the other brands to be certain of getting the best deal. Also, buy only what you need.
Sometimes, you get deceived when you get to buy things that are on sale even if you don't need them. If this happens, you didn't get the bargain no matter how cheap it seemed.
* Don't be mislead with the brilliant colored packaging of the grocery shops. They normally pack certain items simply to attract. Focus on your list and buy things that you need.
* Make sure you PLAN YOUR WEEKLY MEALS, and stick to the menu, so that you ONLY buy the ingredients you plan to cook for that week... this is the only way to stop yourself getting distracted, because you are not already locked into your menu for the week ahead!
How to Save on Credit Cards:
The Cost-Effective Ways to Bigger Savings When Times are Tight
Statistical reports prove that Americans are in love with plastics.Consumers know it more as credit cards.
In fact, nearly 81% of the American households have at least one credit card. They find these plastics as the most convenient tool for shopping and paying utility bills.
The credit cards make payments and expenses so convenient that the average credit card balance that American consumers have amounts to $8,000. That is, indeed, a great amount of debt.
So if you want to avoid debts and save more on your credit card bills, try to cut back on your expenses and follow the rules on how to save on credit cards.
Here's how:
1. Choose the best credit card
Not all credit cards are created equal. There is a particular credit card that will suit your needs. Getting this type of card will provide you the rewards, services, and interest rates that will suit your needs.
For instance, if you want convenient shopping but can't afford to go the extra mile in shopping expenses, it is best to get a credit card that can offer you with reasonable credit limits. In this way, you will not be tempted to max out your card and accumulate debts you simply can't afford to pay.
2. Go for the lowest interest rate
If you think you can't pay your credit card bills on time but are willing to pay your balances in another period, it is best to get a credit card with lower interest rates.
Consumers may not be aware of this, but one of the reasons why debts are getting higher is based on the interest rates. The actual balances are made worse through interest rate charges.
3. Choose the reward credit cards that suits your lifestyle
Don't get a credit card just because it can provide you with several rewards. Not all rewards are worth your time and money.
For instance, a frequent flyers rewards credit card may not be functional if you aren't a frequent traveler.
But if you are, getting a flyers reward credit card can give you discounts as well as points that can be converted into tickets. This will be savings considering the prices of airline tickets nowadays.
4. Keep a record of all your expenses
In credit cards, convenience is the name of the game. However, it doesn't necessarily mean that you neglect your responsibilities. One of which is to keep a record of all your expenses.
In this way, you will be able to identify which purchases weren't necessary at all. So the next time around, you will know what to avoid.
5. Do not keep balances
Never let your balances stay on your credit card bill statements for long. This means that if you have accrued balances for the month, try to pay them immediately.
Paying your minimum balance only won't do you any good. In fact, this might trigger further debts. Besides, interest rates only apply whenever you have balances.
And interest rates are additional expenses for you. If you pay your balances monthly, you won't be charged with interest rates, so you get more savings.
6. Be wary of cash advances
If it isn't an emergency, never take cash advances on your credit card. Financial experts say that cash advances reap higher interest rates compared to the ones that you have on your credit card purchases, which is, by nature, soaring as well.
Combination of these two will definitely bring you to debt problems. Besides, cash advances don't take on certain periods, so that means the charges will take place instantly. That would be very hard if you aren't prepared to pay off your balance immediately.
7. Ask for a lower rate
If you have been an obedient customer and pay your bill on time, it wouldn't hurt you to call your bank or your credit card issuer and ask for a lower rate.
Surveys show that nearly 55% of those who participated in the survey were reported to have trimmed down their interest rates simply by requesting their bank or their credit card companies to act accordingly.
With lower interest rates, you can definitely save more especially if you are the type of credit card holder who doesn't get to pay the balances on time.
All of these things are catered to help you cut back your expenses and save more on your credit cards. These things have been proven effective. It is now up to you if you will heed this advice or not.
Do some research and find as many websites and books as possible that help you to pay off your credit cards and manage your credit card debt better.
Just remember, your actions will always tell you the kind of life you want to live, so better make good choices and start saving now.
Check These Links Out For Extra Family Finances
- How to Save on Home Heating Energy: Superb Saving Ideas
- To say that you can save on your home's heating system and energy isn't an understatement. Reduced bills on your electricity, maximized heating system, and a whole lot of energy saving phenomenon are things you don't see everyday but desire to obtain.
- Student Loan Debt Consolidation 101
- Students now have something else to bemoan besides cruel teachers, impossible assignments, and the pitiful amount of their school allowances. Since July 1, 2006, the rate for federal student loans had been officially increased making it the highest rate over the next 6 years.
- Save on mortgage loans
- It is very important to save especially during these tough times. So the best advice anyone can give you is to sign up for the right mortgage loan that is appropriate for your budget.
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How to Save Money on a Vacation and Still Enjoy It
Away from the hustle and bustle of life, vacations eventually soothe the tired soul
However, after a week or so of relaxation and fun on the beach, you don't want to come home to a gigantic vacation bill staring at you from your mailbox.It's actually possible to be able to plan and execute a vacation without having to spend too much money? Aren't vacations supposed to be expensive? The answer to first question is yes and the answer to the second question is no.
It truly is possible to enjoy your vacation without having to mortgage your home. However, it takes a lot of thought and a few pointers to be able to do so. Here are some of them to help you on your way.
1. Plan ahead. The only way to truly avoid spending too much on a vacation is to plan ahead. Remember most of the expenses you incur during your travel come from convenience items that could have been avoided if you had prepared for the vacation properly
For example, if you are able to prepare for your food and lodging beforehand, you stand to save a lot especially when you consider that late reservations for lodging usually costs more than ones done in advance.
And being able to scout where to eat could be the difference between spending $100 per meal and spending $20 per meal for basically the same dining experience.
2. Beware of the season. Vacation rates depend on the season. There are off-peak seasons and peak seasons. It is better to schedule your vacation somewhere just outside the peak season. This is because during peak seasons, prices skyrocket beyond sanity, and with too many people on your vacation spot, you might find yourself wishing you had stayed at home instead for some peace and relaxation.
Off-peak prices are definitely lower than peak prices. You may want to get a good travel agent to find you the best deals around. There are also online travel services that help you find the lowest prices for the widest array a vacation options.
3. Go in bulk. If you have other friends and family that want to go on vacation to, you may want to consider having a group vacation. Group vacations warrant group rates, and group rates tend to be lower than individual rates.
Talk to your agent to find the best deals on group vacations. They are surely able to accommodate you on this regard.
All the family can still have FUN - even on a Budget!
Tips on How to Save Money While Traveling
You can enjoy your travels without having to spend more than what you can afford.
Besides, traveling doesn't have to be very expensive, especially if you are miles away from home.Doing so can put a great impact on your finances and can drain your money even before you are scheduled to fly back home.
Here are some economical tips to keep you on track and enjoy your travel with more money in your pocket.
1. Try to make a budget first
Before you start your travel or after arriving at your destination, it is best to have a good budget with you. Try to set a budget for the week. In this way, you get to keep your expenses and finances tightly intact. For instance, if your budget for the week is only $100, try to stick to it.
Without a budget, you will be tempted to buy this and that.
2. Have a map
To save more money on your transportation expenses, always have a map with you. In this way, you can anticipate the best and the most economical way to your destination. You get to avoid taking cabs or special trips just to get to your destination.
3. Bring your own gadgets
To save more while traveling, it is best that you have brought every gadget or item that you will need. In this way, you can cut back on the cost of having to rent some of the gadgets that you might use.
For example, try to bring your own camera instead of getting your pictures taken by a local photographer. With a good camera, you can take pictures you want without having to worry about extra charges.
4. Do your homework
Before you head to your destination, it is best that you know something about the place. This will allow you to steer clear from unnecessary spending while on travel. Places may differ depending on the area's pattern of living.
For example, if the place you are about to visit has a luxurious type of living, it is best to keep track of your expenses to save more money. Try not to spend on things that aren't necessary to avoid going overboard on your budget.
Things like these can be very helpful to save more money even if you travel to places were the standard of living is expensive. It only takes a smart traveler to do so.
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Five Great Ideas to Save Money
Want to save money but don't know how?Feel like depriving yourself when it comes to saving money?
Don't be disheartened.
Try these five money saving ideas, without breaking up a sweat!
Reduce or eliminate magazines. If you are a typical American family, your mailbox gets its regular fill of magazines: business, sports, home and garden magazines. Can you imagine how much each of these subscriptions cost? Annually, it is an average of about $20 per magazine.
If your family is subscribed to 5 different magazines, that's already $100 savings per year! If you still need the information from such mags, try to check out their websites and you'll be surprised at how much free information is available!
Buy in bulk. How can warehouse and discount clubs drastically lower their prices? Because they buy and sell in bulk. And so should you! Consumables that are non-perishable can be purchased 10-15% cheaper when bought in bulk. Be sure to stock up only on fast-moving items such as kitchen towels, cleaners, canned goods, etc., to avoid wasting money on rancid food.
Eat at home. Eating out has become an American lifestyle. What used to be an activity to celebrate special occasions has become part of the daily, fast-paced life. But did you know that eating out could chomp as much as 40% of your budget for food? That's as much as $40 weekly, saved just by eating in!
Plan your meals. Eating out 4X a week need not be your solution to a dynamic lifestyle. Menu planning is! Take time on weekends to plan for the following week's meals. Every night, before you hit the sack, take out the ingredients for the meals of the next day from the freezer, and store them in the refrigerator.
Check out this for help to do this: Menu In A Box 100 Day Meal Planning Kit.
By the time you get home from work, everything is thawed and ready to be cooked. And because eating out is part of the American way of life, you would have saved enough money to spend for dining out on special occasions!
Homemade skin care. Is your dermatologist eating up your budget? Don't you wish you can be beautiful and save money at the same time? The answer is yes, you can! By using ingredients from your pantry, you can take care of your skin and still save a fortune. Try the following:
- Honey and oatmeal can exfoliate dry skin.
- Ginger seeped in a bath softens your skin.
- Cucumber and milk softens tired skin.
Without drastically changing your lifestyle, you have started your path on saving money. Secure your future by using these money saving ideas, today!
Budget Money help:
The Budget Kit: The Common Cents Money Management Workbook
Amazon Price: $13.57 (as of 12/23/2009)
5.0 out of 5 stars Wow! I've finally mastered the art of the budget
By Alexis Coxon (Holt, MI, USA) - See all my reviews
This review is from: The Budget Kit : The Common Cents Money Management Workbook (3rd Edition) (Paperback)
I had the misfortune to fall in love with a profession that doesn't pay beans. I also have tastes that would be more in line for an heiress. What to do?
Well, what I -did- do was overspend, get myself into credit-card debt, get myself out of it and still not have any idea how to save money or manage a budget. But this great little book changed that.
There's some advice and encouragement from the author here, but that's not the focus here. The focus would be extremely easy-to-use charts that help you plan your spending and keep track of what you actually -did- spend.
It's pretty easy: First, figure out your yearly expenses (the author provides a long list of these to jog your memory). These include car maintenance, professional dues, subscription renewals, haircuts, vet visits -- the whole shebang. There's also a great worksheet that lets you figure out your gift-giving expenses for birthdays, holidays and so on. Add them all up and divide by 12. That's the amount you need to save every month for these occasional expenses. (Why didn't I think of that?)
Then, for each month, there's a one-page worksheet where you figure out what your income will be for the month and what your expenses will be. You can easily chart when you'll get paid and when you'll need to pay your bills.
Finally, there's a two-page worksheet for each month to keep track of what you actually did spend. (It was a real eye-opener for me to realize what I actually spent on snacks each month!)
This is the first time I've every been able to create and stick to a realistic budget, and I have to say that it's pretty awesome. I actually have money left the second week of each pay period now, and I don't have to skip paying one bill so I can pay the others.
Here's a tip that I used to keep track of my budget: I copied it into my planner every week, so after I spent my allocation for, say, dining, I would cross it off. That way, I didn't get confused about how much of my budget for the week I'd actually used.
Secrets of keeping to the family budget
The high cost of living in today's society, wherever you may be, has made budgeting a priority among families.In today's inflationary world, nothing is more important than knowing how to wisely spend the meager income that you get.
Financial problems usually arise due to lack of proper budgeting skills, or failure to keep to the proposed budget. No matter how much income you may have, it is still important to keep track of your assets and liabilities, your earnings and expenses.
It is ironic but a person who earns thousands will have the same problems with the person who earns by the hundreds. Most often, different kinds of people, with diverse income levels, have budgeting problems. Others who may have been successful in making a budget, usually fail to keep within such a budget.
A budget refers to a financial plan, taking the incoming and outgoing monetary resources into consideration. A good budget should not only mean a balance or equity between income and expenditures. It also means lesser expenses, and making an allowance for savings.
If you earn a thousand dollars per month, you should map out all the necessary expenses you will have to incur during the month such as payment for your house, food and transportation. Of course, this is presuming that your tax liabilities have already been settled. What remains after you deduct your total expenses from your income is your savings.
What you do with your savings will make a difference later on, when the need arises. You can choose to keep your savings in a piggy bank or place it in a bank where there is minimum interest rate but at least your money is safe from you and from intruders. With a bigger savings, you can get the services of a financial adviser who can give you higher-yielding investment options
Here are tips to make sure that you keep within the family budget:
1. Maintain a logbook where you can list your income and expense account on a weekly or monthly schedule.
2. Buy your groceries at one time. To do this, make a list of all the things that you would need for your target period and purchase them at one time. Sometimes, there are discounts if you buy by the dozen so take advantage of this.
3. Avoid going to the supermarket and shops if you do not need to buy necessary items. This will keep you from making unnecessary purchases and keep you from straying away from your budget.
4. Think twice before you buy something. By doing this, you will realize that it is not really a necessity but a whim.
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Making good money decisions pays off!
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Amazon Spotlight to manage your money
52 Simple Ways to Manage Your Money : A Weekly Journal & Workbook to Help You Take Real Control of Your Money
Amazon Price: $14.95 (as of 12/23/2009)
Product Description
Take the fear out of managing your money!
Finally, a book that reveals easy-to-use methods for evalutating and controlling your finances! Make financial control painless. Through a better understanding of your feelings and attitudes toward money, you can gain financial freedom. Learn how your feelings about money can prevent you from reaching your goals.
Each two-part chapter describes an investment or common financial problem. After providing tips and techniques for success, the book invites you to explore whatever is preventing you from moving ahead.
Chapters include tips on how to raise your consciousness about money, goal setting and budgeting, and guidance when selecting a financial advisor or buying life insurance. 52 Simple Ways to Manage Your Money is a practical, systematic workbook that motivates readers to take steps necessary to ensure a sound financial future.
You've worked hard for your money. It's time to let your money work hard for you.
About the Author
Mary J. Moses has many years of experience in personnel administrations in public education in California, and has also been the Public Information Officer for the San Luis Obispo County Office of Education.
She has written and published three newsletters over the span of seventeen years; one of which went to every educational employee in the county. She has co-authored with Judith Martindale No More Baglady Fears: A Woman's Guide to Retirement Planning, which won a national award, and 52 Simple Ways to Manage Your Money. Judith and Mary have been working together since 1982, both in team teaching of adults and writing
Mary has actively supported women's causes and was the first Affirmative Action Coordinator for Cuesta College. In addition to her collaboration with Judi Martindale, she also writes historical fiction. Her novel of 19th century England, The Mill, will soon be published under her pen name, Jane Denison. She lives and writes in Central California.
Judith Martindale, who has been named one of America's top 200 financial planners for three years in a row by Worth magazine, is the co-author of the award winning No More Baglady Fears: A Woman's Guide to Retirement Planning and 52 Simple Ways to Manage Your Money.
Her financial advice has been quoted in the New York Times, Los Angeles Times, Investor's Business Daily, Smart Money, and Worth, along with various other newspapers and magazines throughout the country. Martindale was the weekly financial commentator on CBS-affiliate KCOY-TV Evening News for four years, and hosted her own radio show, San Luis Success Story.
She is frequently invited as a guest speaker for business, professional and non-profit organizations. Her office is located in San Luis Obispo; however, she works with clients throughout the country. She is the founder and president of Financial Planning University, a virtual university that provides consumer education teleclasses and advanced training for financial advisors.
Ms. Martindale received her M.Ed. at Miami (of Ohio). She is a Certified Financial Planner and Enrolled Agent. She is a member of the National Association of Personal Financial Advisors (NAPFA) and the National association of Tax Preparers. Judi is married, and lives in Central California.
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Do you have some great budget or money saving tips to share?
We would love to know what you find most helpful in this lens, as well.
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- strategicservices strategicservices Nov 23, 2008 @ 9:16 pm
- Good to see a positive angle presented about creating and living within a budget. It is achievable and does not have to be horrible.
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- PaulaFarris PaulaFarris Nov 22, 2008 @ 6:14 pm
- Great lens! Budgeting and money saving tips all in one! I'm linking to you from my Surviving Bankruptcy lens. http://www.squidoo.com/SurvivingBankruptcy You may also enjoy my lens You CAN Afford to Travel with Your Family.
Paula Farris
"The Recovering Nonachiever"
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- TLC08 TLC08 May 17, 2008 @ 7:33 pm
- Fantastic tips for saving money on every day expences and future money management.
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- scss scss May 17, 2008 @ 7:31 am
- Great family budget and money management tips!
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