save money during the holiday

1).Set a spending limit per person
2).Buy gift cards (their great gifts)
3).Make your decorations (fruit cakes make great holiday decorations if sprayed with polyurethane)
4). Family photos make memorable inexpensive gifts
5).if you buy a Christmas tree consider buying sooner rather than later
6) volunteering as a family during the holiday season can help you come closer together, count your blessings and spend a little less on gifts
7).LAST BUT NOT LEAST .....IT'S THE THOUGHT THAT COUNTS

Money vs. Relationships

Money can be the first thing to break a relationship you have to be careful and work as one. If you can't then keep your money separate. Before I got married I always made sure whatever I had or where ever I was living with that I could manage and maintain my household without that other person. Never put your all into someone to the point where if they leave you can't handle your means of living. ALWAYS PUT YOUR SELF FIRST

12 steps to getting ahead

Even if you never think about these things maybe its time:

1. Pay bills on time to avoid late fees.

2. Pay more than the minimum on your credit cards.

3. Read your bank statement regularly.

4. Build an emergency fund of at least three months' living expenses.

5. Prepare a will.

6. Shop around for the best insurance rates and coverage.

7. Look around for and switch to credit cards with lower rates.

8. Follow a monthly budget.

9. Adjust your W-4 annually to make sure you are not giving the government too much money.

10. Check your credit report annually for accuracy.

11. Contribute to a retirement account.

12. Comparison shop for the best deal on your mortgage or refinancing

More money

Most people think making more money is the answer to all their problems. I don't agree with that because if you're a person who never pays the bills on time or at all more money won't help you. More money will only help you start adding more monthly expenses until your swimming in debt all over again. On the other hand if your a person who is happy money will only bring more happiness but if your unhappy money only makes you more miserable. POINT BEING MONEY ONLY ENHANCES WHO WE ALREADY ARE!

Are you afraid of succeeding?

Many peopleare afraid of change even if it is a good thing in the long run. leaving your comfort zone can be challenging, but this is when most of your memorable moments and your biggest acheivements can happen. This is a quote out of a book im reading She takes on the world but i live by it because you cant be afraid of life and if you fail try it again.
Im bringing this up into money managing because most people feel like they failed if they dont have the money they want or need even. I say go for what u know dont be scared to live life on purpose.

Add it up

Add up your expenses vs your revenue. if your expenses exceed your revenue then your living above you means it's time to cut something off to get where u need to be

Smart Shopping

When your grocery shopping check prices, compare them to other stores. My personal experience I learned, after I got married, was from my mother in law she shops in bulks that way I have left overs and I don't have to shop every month. So that extra money that would have went to food shopping can go to a bill I may be behind on for the next month.