Biggest Budget Blunders

Does your budget never seem to balance way it should? Are you constantly digging into savings to make ends meet?

If you find that your budget isn't doing job, then it's time to take a good look at essential components you might be missing or you have not allowed sufficiently for.

Some of biggest budget blunders are . . . . . .

1. Failure to plan for inevitable expenses

We all have irregular expenses that we naively refer to as "unexpected." Come on, is that flat tire really unexpected? Don't you secretly know that these things happen? Have you ever owned a car that did not need repairs or maintenance? If you have, you probably didn't own it long enough. The solution; Start counting on car breaking down instead of hoping it doesn't!

The car isn't only area we slight in budget. Do you find yourself hoping and praying that hot water heater, washer, dryer, or some other major appliance doesn't need to be repaired or, worse yet, replaced.

Home maintenance is always a factor in our finances. Even if you rent, you probably have some home related expenses waiting to creep up on you.

These are just a couple examples of variable expenses that we often overlook.

When you consider following other categories that could be included in this list, you can see serious consequences this oversight can have on your budget. . .

• Property, Auto, Health and Life Insurance if not paid on a monthly schedule.

  Even if you do pay monthly, you should try to save for a lump payment if at all possible. Most companies charge up to a $3 fee for monthly payment options. It doesn't sound like a lot but, over a years time it's $36 you won't be investing in their cause. I say, it's always best to invest in yourself. Don't you agree? Put $36 in your savings!

• Taxes - Property, Federal, and State - If you know you will have to pay Uncle Sam, prepare for it. If you value your home or other property investment, prepare for costs. Don't scramble at last minute to come up with enough to pay your obligations. It's likely other areas of your budget will suffer greatly, since these expenses have a high priority.
• Clothing - Now, I can wear a piece of clothing 'til you can see through threads. I work at home, so I only have a few choice pieces for special occasions. I'm a no frills kind of gal. But, I have four kids. Do I expect them to stop growing or somehow not care how they look to their peers? Of course not! But, I'm working on it. Just kidding! I know that they will need more clothes, more shoes, more accessories....etc., etc., etc., etc.....

  I use every resource available to me to cut down clothing budget, I know I must account for this expense. It will arise, whether I am prepared or not!

• School Supplies - This is another one you just can't omit if you have kids. You can, however, use some clever money saving techniques and multiple resources to keep this expense to a minimum.
• Pet Care - If you have a pet, you most likely have expenses that come with this beloved family member. Vaccinations, flea control, veterinarian, and food are just a few that come to mind. Again, minimize costs by using all your resources.

  Tip: My local county animal shelter gives rabies vaccines for $5. Good for three years if regularly vaccinated. Does yours?

• Gifts - If your friends, family, and kids don't care if they don't get gifts from you, if you've declared war on holidays, or have a convenient hiding place when these occasions take place, then you can skip this one!
  
  

Cutting-Edge Trading News for Traders

I'm really thrilled to be able to get scoop and I am passing on news to you. I'm in a priveledged position to be in touch with pro traders and they have helped me deepen my understanding about how to trade markets.

The latest offering is to do with "divergence" and that's what I'm about to share with you - a brand new trading method that is being released next week in limited quantities. Even more copies of this new method have been reserved in past week, and hundreds of traders have already lined up to get advanced notice 24 hours before rest of world -- and so can you.

Keep reading...

Have you ever heard of divergence trading? I believe this new course is most complete and in-depth course ever created that focuses with laser-like intensity on this classic setup condition. It's called Super Divergence Blueprint, and it really is best explanation of divergence trading I've ever seen. Everything is layed out clearly and revealed in depth with TONS of examples. The entire course leads you through a clear understanding of divergence trading over 2 CD-ROMs jam-packed with screen capture video tutorials.

There's a new 'bootleg' video that has just been posted on website that gives you a quick, 2 minute overview of this exciting method. Also, there a couple of 'top secret' pages torn from reference guide. The author of course told me that in a few days he'll make publicly available, a FREE download of one of eBooks that he'll be bundling with Super Divergence Blueprint - I'll add link to this article when he let's me know.