Household budget tools can help to get your personal finances back on track. Getting debt relief is just a step away. Take a few minutes now to consider the different ways you can take to get out from under overwhelming debt by using this guide.
Debt counseling can help get you back on track fast, check it out.
Download free printable personal money management worksheets to help you easily create a budget, review your financial situation, and help you make educated decisions for debt relief and protect your financial future.
Learn more about our free downloads including our printable, Money Management Planner in PDF and Excel formats.
Also consider using our free online household budget tool. It lets you enter income and expenses and calculates ratios for you. You can also print it out. Try it, absolutely free!
We offer a nice variety of budget calculators for loans, mortgages, leasing, and more. Please check out our free calculators.
I am trying to live on a budget. I decided to do this because I have have been spending too much money and have racked up my credit card bills to a high amount.
I feel living on a budget will really help pay my bills down. I am sticking to the budget fairly well. Any money I have left over at the end of the month I use to add to my minimum payment of the lowest balance bill that I have. This is working really well.
I will get my bills paid off sooner this way. I believe having and sticking to the budget is working well for me, as I am able to pay more on my bills every month. Also, the next time I see something in the store that I want, I think to myself, "I may want it but I do not need it."
Posted by: Amy D.
Mint.com offers an online tool to help you organize spending, etc. and it's free. Requires account setup.
Buxfer is similar to Mint.com, and helps you to tracking spending, etc. for free also. Requires account setup.
What helped me pay down my debts was setting up a budget and working hard to stick with it.
I wrote down how much I spent, in relation to how much I made. It didn't matter whether I spent .59 cents or $255, every little payment was accounted for.
When paying off debts, I tried utilizing the credit card with the smallest interest rate. That way, I could have some wiggle room to buy what I wanted, but may have not completely been in the budget.
Paying off bills on time, or early if the budget allows helps too.
Be realistic as the results take great time to achieve and patience to make things happen. I had to forgo eating out at restaurants a few times and had to make myself a bag lunch, but it's worth it not paying interest.
I did a combination of writing down a budget, going out less to eat, using the credit card with lowest interest rates and trying to pay off my credit cards on time to avoid interest charges. Lastly, writing a check to myself (transferring money to a saving account) helped as it allowed me to put away for my emergency fund.
Posted by: Sharon
from Mvelopes. Also offers mobile version for your smartphone!
If you love spreadsheets, you will love the budget spreadsheets offered by Vertex 42. Some are even free and all of them are easy to download!