How To Stick To Your Budget

Written by Terry J. Rigg Sr.


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The fact is thatrepparttar average person can save $100 in less than three months. In some cases even sooner. That's not very long to accomplish a goal.

Now let's look at setting milestones usingrepparttar 111420 same method. Roll your change once a month to see how close you are to your goal. Write down how much you saved that month on a piece of paper and put that and your rolled change back inrepparttar 111421 jar. Keep doing this until you've reached your $100 goal.

Now, what do you do with that $100? You could put it in a savings account and earn a little interest but it still wouldn't be worth much more than $100 even after a year.

My suggestion would be to pay it on one of your credit cards. That way you could turn that $100 into much more withrepparttar 111422 interest you would save.

It may sound like I strayed fromrepparttar 111423 topic of this article by talking about saving your change. Actually a budget is just a system of reaching goals. You do this by working backwards. You decide what it is you want to do and then make all of your money decisions based on that end.

Setting up and maintaining a budget is going to take organization and discipline. This task will be much easier if you are working toward something you really want.

To learn more about Budgets you can visit The Complete Budget and Bill Organizer http://www.homemoneyhelp.com/BBOonline.html to find Budget Stretcher's free budget system complete with all ofrepparttar 111424 forms and worksheets.



Terry Rigg is the author of Living Within Your Means - The Easy Way http://www.homemoneyhelp.com/ebookadpage.html and editor of The FREE Budget Stretcher Newsletter and Budget Stretcher web site http://www.homemoneyhelp.com. He has 25 years of experience counseling individuals and families concerning their personal finances. Use this email link to get a list of all of Terry's articles by autoresponder at: mailto:articlelist@budgetstretcherpremium.com


The Spirit of Father's Day

Written by Lawrence Vijay Girard


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The highest form of communication is that which bridgesrepparttar gap between those communicating  creating oneness. It is this experience of oneness that we long for with our loved ones and with God. When we can perfect our inner communication with Spirit we will consciously realize our oneness with all life - everywhere. This won’t be an abstract concept but an actual experience. For a child, Father’s day isn’t really about giving Dad a gift. It is about recognizingrepparttar 111419 gift of caring that fathers express when they help put food onrepparttar 111420 table, teach their child to ride a bike, cheer at a soccer game, smile at a graduation, give their daughter’s hand in marriage, giggle with a grandchild, and most importantly, act as a channel for God’s love to flow through them intorepparttar 111421 lives of their children. For a father, Father’s day isn’t so much about takingrepparttar 111422 accolades of a job well done (even though they may be well deserved!), but about giving thanks forrepparttar 111423 opportunity to give. And remember,repparttar 111424 greatest gift that we give our children isrepparttar 111425 actual expression of our love. It isn’t enough to feel love for them inside ourselves: we need to express that love. Take a moment each day and give your childrepparttar 111426 kind of hug that can leave no doubt that you really treasure their presence in your life. Of course,repparttar 111427 greatest Dad of all isrepparttar 111428 father of all life. So let’s take some time this Father’s day to remember our Heavenly Father. Let’s share our innermost hopes, dreams, challenges, temporary setbacks, and victories. And once we have had our say, let’s listen carefully: For God,repparttar 111429 Father of us all, may have a gift in store for us,repparttar 111430 gift of awareness of His Infinite Loving Presence in our lives.

Lawrence Vijay Girard is the author of Way of the Positive Flow and Positive Flow Parenting. As well as, his popular children's book, The Adventures of Harry Fruitgarden. You can find his books at: http://FruitgardenPublishing.Com


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