Tip - How to Create a Family Budget, Step By Step

With all the demands of running a family, it's hard to find time to make a household budget -- especially if the amount of money left at the end of the month is less than you want. It's important to look household finances squarely in the eye, because that's the only way to control them; otherwise, they control you. Budget creation takes time, so set aside at least a few hours. It's better to wait for a day when you don't have pressing obligations than to cobble together a plan that doesn't work. Start with a goal. Maybe it's paying off debt, or perhaps it's a college fund.
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