Remember that something as small as talking about losing weight in front of your kids can have very detrimental effects on their self-image as they age. Damaging behavior learned from a parent at a young age can take years for a child to overcome. So, sooner you start incorporating tips above into your life, better for you child. But don’t forget that it has to start with you – make sure that you are incorporating healthy fitness and eating rituals into your daily routine and that you have a positive body image (no matter what your size or shape is)!

The Numbers Don't Add Up:

You have more budget than you have paycheck. Generally, this is caused by not being realistic in your budget. You try to make your paycheck fit your budget.

Answer: Start by listing your household expenses and bills. Then include 10% of your income for long and short term savings. If this total is more than your paycheck, you have to cut back. Start by looking at your household budget. Are there items that you can do without? If you have money left over after considering all of above, then increase your savings.

Unexpected Expenses: This can be from your car breaking down, need a new washer or any number of other expenses that you can't predict.

Answer: While long term savings is for things such as a home or car purchase or college for kids, short term savings is just as vital to your financial security. A short term savings will accomplish two things. It will provide you with money you need to pay those unexpected expenses and it will cut down on use of credit cards. The short term savings could save you hundreds of dollars a year.

When you develop your budget, keep following things in mind:

1. Make your budget a simple as possible 2. Get family involved. 3. Make your budget fit your paycheck, not other way around. 4. Plan for unexpected. 5. Visit The Complete Budget and Bill Organizer for more details