Getting Past The Idea Of Budgeting & Saving Money

Written by Gregory Thomas


Continued from page 1

Take notice thatrepparttar goals provided are very realistic and practical. You want to establish goals that are attainable in a reasonable amount of time.

Before you start planning how YOU are going to tacklerepparttar 149382 task of budgeting and saving money, take a moment to determine what goal(s) you want to accomplish and a specific time frame for each particular goal. This will give you something tangible to strive for and help keep you focused on task, thus increasing your chances for success.

Here's an example of a practical task along withrepparttar 149383 respective goals:

TASK: Spring Clean The Whole House

GOALS:

week 1 - kitchen; refrigerator, cupboards, monthly menu, coupons organized

week 2 - garage; organize boxes, Xmas decor, scrub/polish floor

week 3 - family room & bathrooms: cleaned, scrubbed, carpet & drapes etc...

Putting Your Plan Into Action

~~~~~~~~~~~~~~~~~~~~~~

Rememberrepparttar 149384 piano playing example mentioned earlier? No matter how many books or tapes you buy to help teach you how to play, unless you devote serious time to practice, you will not improve and you will not accomplish your goal(s).

Your game plan MUST be put into ACTION! Don't let your wonderfully designed agenda get lost under a heap of papers or collect dust on some obscure counter top.

Put your plan into action!

Just likerepparttar 149385 piano player, you will need to devote focused time specifically to your task in hopes of accomplishingrepparttar 149386 predetermined goals. Keep in mind that only after serious time and effort is devoted to your cause will any real changes occur.

Hopefully this has inspired and motivated you to accomplish your tasks and goals regardless of what they may be. If you need more assistance and guidance, or if you would like access to 50+ money saving articles, newsletters and creative ebooks you can download, stop by and explore our money saving resource at: www.SavingSecrets.com

Best wishes accomplishing your tasks and goals to effectively save and eliminate that ever-present debt!

--- Learn Effective Money-Saving Techniques & Eliminate Your Debt At SavingSecrets.com. Hop on over and you'll find FREE money-saving articles, a monthly newsletter, and even a FREE Ebook download just for stopping by!

http://www.SavingSecrets.com

You'll agree that budgeting, saving money, and eliminating debt are very appealing ideas. If effectively tackled, these goals can secure your financial status for the future, and allow you to live a comfortable, debt-free life.


10 Steps To Improve Your Financial Situation

Written by Gregory Thomas


Continued from page 1

7. Changing Jobs? Roll-Over that 401(k)

When people change jobs/careers they will be faced with a decision to either "rollover" their 401k (retirement plan) or to withdraw it. It will be ever so tempting to withdrawrepparttar money since it will be a substantial amount, but don't! You will be charged fines and penalties for an early withdrawal that will cut YOUR total by 40%-60%! That's like giving half of your earned retirement savings away to a stranger. Why would you do that? Even though you may wantrepparttar 149381 money now, resistrepparttar 149382 temptation and roll it over. It will be well worth it inrepparttar 149383 long run.

8. Avoid Getting Too Many Credit Cards

Why have eight credit cards? That's just going to provide you with more opportunities to go further into debt. It's fine to keep 1-3 cards to build credit, establish yourself, and for emergencies, but credit cards are double-edged swords. They can help or hurt you depending on your self-control.

9. Check Your Credit Score/Report

It's important to know where you currently stand as a consumer and since your credit report isrepparttar 149384 most important historical list of your financial past and present, it's a very good idea to check it from time to time. There are a number of places where you can get your credit report, howeverrepparttar 149385 most detailed compares information fromrepparttar 149386 top three national credit bureaus: Experian, Equifax, and TransUnion. Once you get your report, look through it carefully to see if allrepparttar 149387 information is accurate. If there are any discrepancies, get those solved as quickly as possible to improve your credit rating - a score of up to 800. Often times, consumers are unaware of unsettled accounts, or accounts that are still open/active when they should be closed. Pay close attention to this when inspecting your report.

**Get credit report tips, hints, and instant access by clicking here:

http://www.SavingSecrets.com/creditreport.html

10. Finally: Review - Revise - Retry

Once you start implementing these tips and become more familiar withrepparttar 149388 money saving opportunities you have, takerepparttar 149389 time to REVIEW your progress. Check and see where it may be possible to REVISE some of your techniques or where you can implement new ones. Once you have revised your plan, RETRY to see if your results improve. The more frequent you review, revise, and retry your saving ideas,repparttar 149390 more "in tune" you'll be with your finances and spending habits, and learn what works and what doesn't for you.

Follow these 10 steps to improve your financial situation and lower your overall debt. These steps are straightforward, and ready to be implemented into your daily lifestyle.


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