Budgeting is boring, I know. But please don’t stop reading already! The peace of mind that comes with knowing how you’re going to pay the bills is well worth it!
Make budgeting part of your news years’ resolution with these tips:
1. Get organized
Collect all of your paperwork – bank statements, investment information, mortgage paperwork, credit card statements, tax returns, etc., and set up a filing system to keep track of it all.

2. Lay it all out
There are lots of budgeting worksheets available online or from your financial institution. Go through your statements and determine what your monthly income is and where it’s all going. Divide your expenses into categories that make sense for you – groceries, loan payments, child care and so on. Fill in what you’ve spent in each category in the previous month.

3. Find the missing pennies
You’ll probably find there’s a difference between what you make and what you spend. If you don’t know where all of your money is going after step two, it’s time to find those missing pennies. For one month, write down every single penny you spend. Don’t change your habits, just keep track in a notebook or by always asking for a receipt and hang on to them. You’ll be amazed at how fast the lattes add up.

4. Start dreaming
The hard part is done, you’re organized and you know exactly how much you owe. You know how much you’re spending in what areas of your life, and may have ideas of where you need to cut back. Now it’s time to start dreaming. What are your financial goals? Do you want to pay off your credit cards? Take a dream vacation? Take a realistic look at your budget and see where you can cut expenses. It might be a 10% cut across the board, or less on groceries, whatever will work for you.

5. Stick to it
This is the hard part and where we all tend to fail. Make a monthly date with your money to see how you did and resolve to do better if need be. Keep your dreams top of mind by hanging up pictures of your vacation destination to remind you of the bigger picture and how you really want to spend your money.

If you need help, don’t be afraid to ask. The library and Internet are full of tips, advice and success stories to inspire you! You can always talk to your financial institution or a Libro Coach to help get you on track.

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Jennifer McCallum

Thank you so much for stopping by this page to get to know a bit more about me and why I started Parent Guide Inc. My business story started a way back in 2001... …after the birth of my first daughter, I realized that an "all-in-one" resource guide for parents was needed, and fast! I designed the New Parent Resource Guide to fill a gap in the community for busy parents like myself. The New Parent Resource Guide offers an A-Z of key contacts for parents, caregivers, service providers, and health care professionals.  Working with key businesses and organizations in the community, we have also compiled much-needed articles, tips, and charts to answer all your parenting questions. The latest addition to our family is the School Age Resource Guide to serve parents of children, 3 to 18 years!  This guide answers questions about: nutrition, bullying, curriculum, building self-esteem, and much more, as well as offering a full directory of local and national resources. The Parentguide.ca website offers an “all-in-one” spot for parents to connect, add their own blog, and find needed resources in their community.  It is a site that educates and entertains and if you can't find somthing just ASK me. I am here to serve YOU!  My hope is that you connect with our members, find comfort in their words, and share your own story. My goal is to see what I can do to help make life a bit easier for you.   You are why I do what I do! I can’t wait to get to know you!  Comment below to tell me about yourself – then start blogging so we can find out what makes you get up in the morning!  Check out my blog too and I am sure you will be surprised what gets me out of bed each day!!! Jennifer -  Mom and Publisher

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