Recent Articles From EvanCarmichael.com http://www.evancarmichael.com/ http://www.evancarmichael.com/Personal-Finance/3418/Debt-Help-Money-Management-Techniques.html http://www.evancarmichael.com/Personal-Finance/3418/Debt-Help-Money-Management-Techniques.html Keeping Track:There is only so much money from month-to-month. Question: where does it all go? · Limit Your Spending:Having a financial budget may find that about 5-10% of your total spending may be for purchases that are not needed. Think about it. What could you do with that extra 5-10%? Perhaps your future plans include buying your first home, going back to school, saving for your child's college, paying down debt or simply setting aside cash for a special trip. A budget will identify expenses that can be cut so that you can set goals on making important long-term savings. Setting Goals: Budgeting supports your financial goals, which may include:— saving for your first home— paying down debt— preparing to go back to school— planning for retirementGood budgeting skills add these goals into the budget.