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January 15, 2019

Greetings Thrifty Friends,

Pulsetv RadioDoes your budget never seem to balance the way it should?

Are you constantly digging into the savings to make ends meet? It's time to take a good look at essential components you might be missing or you have not allowed sufficiently for in your household budget plan.

Keep pinchin' those pennies,

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* Failure to Plan for Inevitable Expenses

If you pay property, auto, health and life insurance on a monthly basis you are paying additional fees. Budget for lump sum payments and save the fees!

* Clothing

This is often considered an incidental expense which means it usually goes on the credit card. Set aside a monthly clothing budget. If you don't use it, roll it over and you will have twice as much to spend next month, etc...

* School Supplies

This is another one you just can't omit if you have kids.

* Pet Care

If you have a pet, you have expenses that come with it. Vaccinations, flea control, veterinarian, and food are just a few. Consider the monthly and yearly cost of owning a pet when buying.

* No Emergency Fund

In addition to insurance, clothing, pet care and other incidentals, everyone should have an emergency fund somewhere. This is in addition to your 401ks IRAs and any other long-term investments. If the transmission suddenly falls out of the bottom of your vehicle you don't want to have to liquidate your retirement account to replace or fix it!