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Create and Maintain a Budget

The first step to avoiding the troubles of financial debt is to create and maintain a budget. It’s not as intimidating as it sounds, don’t worry.

First off, create a list of all your monthly income and also a list of your monthly expenses. When determining income, list all sources including alimony, child support, side jobs, etc. In calculating expenses, be sure to include housing, food, transportation, utilities, entertainment, etc. To gain an accurate reflection of actual expenses, sit down each night and write down expenses, just make sure to save receipts. Determine if your income covers all of your expenses. If the answer is no, then some expenses need to be reduced.

Adjust expenses. If it is a small discrepancy, it may mean reducing some minor expenses like entertainment or cell phone plan. If the deficit is larger, you may need to downsize your vehicle or living arrangements. If your income covers all of your expenses, you still may want to trim some of the excess fat off your spending habits. This can free up extra money for things such as vacations or college funds for your children.

Additionally, consider if you need to add new categories. Some areas that are often overlooked are debt reduction, emergency savings funds, and retirement savings. An emergency fund ensures there is an adequate amount available to cover unforeseen events (car emergency, etc), should it arise. This will eliminate the need for using credit which can quickly damage your budget.

There are several advantages to sticking to your budget. Firstly, most people have set financial goals that they would like to reach in the future. Sometimes it may be a trip, a brand new car, or a college education. A budget can help people save money to make these goals a reality. Additionally, many people are crushed under heavy consumer debt. Without a disciplined pattern of spending, it is virtually impossible to make much headway in reducing debt. A personal budget will provide the necessary framework to begin eliminating these inflated account balances.

If executed properly, a budget will allow a person to simultaneously meet their expenses, place money into savings, and pay back outstanding debts. Therefore, it is anyone’s best interest to create and implement a budget.

Cut Back on Spending

At first it may seem difficult to limit spending and stick to a budget, however there are a few practical changes that you can make everyday that will cut your spending more than you expect.

Firstly, alter credit car behavior. Start to pay cash whenever possible. This will help you avoid making a purchase unless you actually have the money available. If you decide to make a credit card purchase, be prepared to pay the balance off monthly. This will save a lot of money through avoiding interest charges. If you already have a credit card balance, then transfer to a card with a low interest rate. Also, find a card that does not charge an annual fee.

Another tip is to pack your lunch everyday. All of those lunch hours spent at restaurants will add up. Bringing your own lunch can save you several dollars every day, which will add up over time.

Use your cell phone during off peak hours. Some people will spend a couple hundred dollars a month on phone charges. Avoid this by making most calls during off peak times. Check with your service and plan to find out when you have cheaper or unlimited calls.

Stop throwing away the Sunday newspaper before skimming through the advertisements. Clip some of those coupons and check out the sales. This may seem tedious, but the savings are often worth it. Many stores will double or triple the amount of the coupon. This technique can save you up to 20 or 30 dollars each time you head to the food store.

Additionally, refinance. Mortgage rates have been extremely low over the past year. This has been a great opportunity to reduce the monthly house payment significantly. If you are planning to have your house paid off prior to retirement, then you may want to factor this in before refinancing.

Finally, bundle your insurance. Many insurance companies will offer their customers lower rates if they purchase multiple policies. For instance, some people use the same agent for multiple cars, and others combine their cars and house. Always keep in mind that a dollar here and there really begins to add up. Avoid the temptation of thinking that changing your spending habits wouldn’t save that much money.

Start Saving!
So you are loaded down with bills to pay each month and are wondering how you can begin a savings account for emergencies and other high-expense endeavors. In other words, where can you find that extra cash to put away for later?
Firstly, when configuring your budge, plan for your savings first. You will grow richer each month if you begin to pay yourself first. Before paying any bills, decide on a set amount that you will pay yourself first—maybe five or ten percent—or whatever you decide—of your paycheck. Then, deposit the amount into a savings account before paying any bills.
When you do this at the beginning of the month, your entire paycheck will not suddenly slip through your fingers. If you wait until the end of the month, there may be nothing left to save. Paying yourself first will give you a systematic way to make your money grow. Regardless of your profession or your income, this system will work if you stick to it.
Another technique you may try for saving money is to empty your extra change into a coffee can or a jar each day. At the end of the month, roll the coins and put them into your savings account. You may be able to save 30 or 40 dollars each month just with your spare change.
Remember that good money management is more than just a mathematical formula. It’s too closely tied with the ups and downs of living to be just that. Your money management plan is always subject to change if your life situation changes. The object of a good budget is to make your money go the farthest in helping you reach your goals, it is not there to force to you to abide by rules.
Don’t get discouraged if the budget plan doesn’t work perfectly right away. It may involve some revising and editing until it fits your needs. Then, make sure to review it often, and be sure it is making the best use of every penny! Because we know how helpful those spare pennies can be!

Avoid Spending Pitfalls!
With all the advantages that are evident from personal budgeting, it is no wonder that more and more people are relying on them to reduce debts and increase their savings. However, all ‘budgeters’ need to be careful to avoid some common pitfalls that appear often.
Credit cards may seem like small pieces of plastic, however they can cause a great deal of trouble for the owners. It is common for people to make unwise purchases, which they would have avoided otherwise, because they had the credit card in their wallet. The best solution for many people is simply to get rid of credit cards and begin paying only by cash, check, or debit cards. You may want to keep one card handy for emergencies, but it is probably best to keep it out of reach, and far away from your wallet.
Another problem with budgeting is impatience. There are financial goals set, but people do not have the patience to complete a savings program. For instance, an individual begins setting aside money for a new car; however, after a few months they discover the car of their dreams. Rather than waiting, they make the purchase. This could pose some serious financial strains. Discipline is a must to prevent impatience from breaking your budget.
Once a person makes a budget, they often fail to adjust it when necessary. A budget is created using a set of expenses and income figures that are liable to change. As these figures do change, it is important that the budget changes to reflect the adjustments. There could be some major deficits if this is not done appropriately and promptly.
Of course nobody forgets about Christmas or Hanukkah, however many people do not consider budgeting for holidays when creating a budget. Therefore, adequate funds have not been set aside for presents, food, parties, etc. These items should be factored in and saved for throughout the year.
Finally, many people factor in transportation and accommodations for vacations in their budget, however they underestimate money needed for food, entertainment, and spending money. Keep in mind that all the resorts and tourists areas are double or triple what you would normally pay.
With a little planning, you’ll be on your way to saving more money than you ever thought possible!

Easy Money-Saving Changes
One of the most obvious and easy ways to save some extra cash is to change some of the way you use products and items in your everyday life. The key is to make minor changes.
For instance, always buy the cheapest hand soap you can find. The quality doesn’t necessarily go up with the price and you can use it in place of ‘bath soap.’
Always use the whole product. Turn bottles upside down and drain to get the last bit from them. Tear open sugar and flour sacks to get everything; squeeze or cut open tubes to use it all before running out to buy more. You’ll be surprised at how much there really is left!
Also, never use more than you need. Just because it says on the box that you need a full cup, doesn’t mean that you really do it need it. Half a measure of laundry detergent and a half teaspoon of dish soap are examples of what are usually enough, rather than what the manufacturer says.
To save some cash, you can use some of the things in your house in some unique ways. Instead of spending lots of money on the fancy floor cleaners, try using ammonia. It does a great job, and you can use plain water in between times. If your furniture needs some polishing, mix equal parts of white vinegar and vegetable oil and rub on the furniture. Buff with a cloth until it shines.
For a freezer bag, use empty chip bags and close with masking taps. Also try a bowl with a lid, such as a margarine tub.
If your skin is feeling a little dry, there are several substitutes for expensive lotion. Petroleum jelly rubbed into your hands at night after a warm water soak, mayonnaise (rinse w/ cold water after), or any other oil based food. Just be sure to put it on immediately after your hands have been in water.
To save some money on laundry, dissolve a bar of handsoap in water to replace laundry detergent. Add three gallons of hot water, mix thoroughly and add a cup of washing soda.
Sure, these are small changes, but added up, they can put some extra change into your pocket throughout the year!

Find a Place to Study

Figuring out a time and place to do your homework and study is of the utmost importance. Once you have figured out when to do your homework, the next question is where to do it.

A good study area should have a desk or table big enough to spread out books, notes, worksheets, etc. without them all being on top of each other. You do not want to make a mess, but you also do want to have ample room to work.

Make sure you have plenty of light. Ideally, you will near a window with an overhead light and perhaps even a small reading lamp.

Most important in choosing a study location is finding a place that is relatively free from distractions. That means no TV on in the room, no brothers or sisters running by, no phone conversations to listen in on, and no instant messenger or emails to keep you busy.

Whether or not you listen to music while you study depends on your personal preference. You may choose to ignore any phone calls, or turn off your cell phone, and forget about the urge to go and get a snack every ten or fifteen minutes.

Depending on your home, you may be able to find this area at the kitchen or dining room table, or in your bedroom. You may be able to set aside a study space in your basement or an office in you home. Some people find their homes too filled with distractions, and prefer to take their studies to the local library.

Wherever you choose, it is best if you can study in that same place all the time. If you can study in this same location consistently, your mind will get used to this being a focused and important place. When you enter this area, you will know it is time to get down to business. Your pens and pencils, paper, erasers, stapler, calculator, and anything else you use often can be kept nearby. Also, you can keep them in a bin or bag which can be pulled out whenever you need them. This will avoid having to stop studying to collect supplies.

Having this dedicated study spot will help you get down to business and focus more easily on getting your work complete.

Keep Supplies in a Homework Kit

It’s four o’clock…you know what that means…time to do homework. You scour the house looking for a pencil. Then you need a pencil sharpener. Ten minutes later you find one. Finally you sit down to start your homework. Where’s the calculator? Dad’s desk? Brother’s bedroom? Once found, you discover that it is low on batteries…there have to be some in the house…but where? If you find your typical study session unfolding like this, then here are a few suggestions to make you finish your homework with ease…

You can waste a lot of time looking for homework supplies and making sure they are ready to be used. OR, you can use a homework box or supply kit of some kind to keep it all together. Then, when it comes time to do homework, everything is in place for you. No running around, no scouring the house.

Any kind of box will do. You can use a storage tote, an old shoebox, or even a drawer. The key is to keep everything you need in there, ready to go. Make sure the tote or box is placed conveniently in your study area. It should not move from the spot.

Make sure siblings and family members know that these supplies are for homework, and not for other activities. Those supplies should stay there, and only be used for homework. You may want to label it so there is no confusion as to its purpose.

Pencils and crayons should be sharp, calculators fully equipped with fresh batteries, markers with lids tightly attached. Here’s a tip, since your parents are always offering to help with your homework but it is up to you to do the work, suggest that they take responsibility for keeping the supply kit full and in working order.
When it comes to studying, there are few people that want any more struggle or stress than is necessary. Keeping all materials and supplies handy and ready to go will make your studying not only go smoother, but possibly quicker. And who wouldn’t want to shorten the time they need for studying?

Concentration is Key

Learning to concentrate while studying and doing work is a skill that will be used for the rest of your life. The art of concentration is to eliminate any possible distractions and completely focus on the task at hand. Many students will read through material and discover that they have no idea what they have just read. Or, they will attend lectures and have difficulty paying attention to what is being said. Here are a few suggestions to help you stay focused and boost your grades…

When scheduling study times, try to stick to a consistent and efficient routine. Try to avoid studying one day late at night, and the next in the afternoon. Write in your planner or calendar when you will study so as not to have conflicts.

Always study in a quiet environment. If you haven’t already, find a designated study spot free of distractions. If you live in a noisy house or dormitory, this may mean heading to a study room or even the library.

When you need a study break, do something different from you have been doing, and in a different area. Get up and walk around in another room. Listen to music for a few minutes. Grab a snack. Try to take a break every hour for about 10 minutes.

Every student struggles with day dreaming while studying…thinking about plans for the night or tomorrow’s basketball game. To avoid daydreaming, ask yourself questions about the material as you study it, which will keep your mind focused.

If you have trouble focusing during classroom lectures, look over the notes of the previous lecture and read the course material pertaining to the lecture beforehand so you can anticipate the main ideas that the instructor will cover. Additionally, show outward interest during lectures. Have an attentive expression and posture. This will self-motivate internal interest. Also, resist distractions by sitting in front of the room away from disruptive occurrences and classmates and by focusing on the instructor through listening and note taking.

Just a few minor adjustments in your studying habits will go a long way in improving grades and concentration.

Skimming with Skill

Think about how you find a name in a telephone book. You don’t read any more than necessary to find the name. Maybe you use your finger to guide your eyes. This type of reading is known as scanning. Skimming uses the same type of skill mechanically but a different skill mentally. In scanning, you know what you are looking for; in skimming, you don’t.

Since you don’t know exactly what you are looking for while skimming, prepare yourself by reading the title, source, author, and any pictures; then question yourself,–who, what, when, where is this likely to focus on? With a questioning mind direct your eyes down the column of print, or in a zigzag, if the lines are quite long. Look for exact names of people, places, things, ideas, numbers and words like therefore, whenever, until, because, and instead, to clue you to how and why.

When you first start to learn to skim you may see only the words in bold type, italics, digits, or capitalized words. Soon you will note new or unusual vocabulary. As you become an efficient skimmer your span of perception will develop and your ability to make closure will increase.

Skimming is a step you should always take before you read any article of factual or practical narrative. You will soon be able to detect most important facts, strange vocabulary, and words that are clues to important relationships.

It’s a good practice to skim everything in mass media after reading the title and first paragraph. You may get all the information you want. This keeps your skimming skills from deteriorating, or will give you the practice you need to develop necessary skills.

Skim everything you intend to read before you make a final decision to read, discard, or study the material.

Skim all highlighting and develop a read-skim pattern to use for rapid review. And don’t overlook this! Reviewing frequently and rapidly is the best way to memorize (or simply remember information) from notes and long text assignments. Skimming is a very useful tool for studying, so learn it and use it!

From Start to Finish

Confused about what to write down in your notebook during class? Get stressed when preparing for tests and looking over your notes? Here are some suggestions to take you from the beginning of the studying process in the classroom, to the end, or the test itself.

Read assignments before heading to class. This will build your background for the information that will be presented in class. It helps you be familiar with the vocabulary and concepts. This is especially helpful if you are unfamiliar with the subject matter. As you read, underline and highlight important information. If you don’t have time to read the entire assignment, at least look over introduction paragraphs, bolded words, and summaries. This will give you a good overview of the information.

Although it seems obvious, you need to go to class and take notes. Most professors or teachers lecture during class periods, emphasizing points of importance. Head to class ready to be attentive and write during the entire class. Don’t stop taking notes until the lecturer is finishing. Pay particular attention to the end of the lecture, as professors will cram information into this part to finish up for the day. Use abbreviations; get details and main ideas to get complete notes.

While the notes are still ‘fresh’ in your mind, look over them and make any additions or corrections as soon as possible after class. Be sure to make note of any parts you didn’t understand or missed. Ask either the professor or a friend via email or before the next class period to get the missing information.

Try to pass your first test in each class to boost self-confidence. Make up a list of study questions and definitions and practice reciting this information aloud, either to yourself or someone else. Don’t wait until the last minute study. Rather, study for short periods over several days. Of course, you will want to review the night before a test.

Finally, test day arrives. Use these strategies during your exam to make all your hard work worthwhile. Read directions carefully before you begin. Take a few minutes to look over the test, then answer all the questions you know first. This will help you get sure points and builds confidence. Don’t leave any blanks; it is better to guess if you don’t know. Watch your time, and manage it accordingly. Don’t rush, but don’t go too slow. Take a few minutes at the end of class to look over your test to be sure you have answered all questions and that your answers make sense.

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