Families that exercise common sense with the financial component of their lives DO beat the living "paycheck to paycheck" cycle.
Alright, so no one really wants to restrict their spending, but it is a very "grown-up" thing for you to do, and in the long run, it will allow you more financial freedom.
Congratulations. You are being very smart about your money!
Learning how to make a budget is a critical part of securing your financial future! Money management is at the heart of this site.
Start seeking out frugal living websites and learn about your credit score ratings.
If you can gain control of your family finances (and personal finances) and you will improve your situation in life.
Stop making that face...you came looking for me! This entire site is devoted to learning how to manage your money by creating budget plans.
Sounds a little dry?
Hmmm. There are many, many tools out there to help us, but we can figure alot of this out with a handy little pencil and paper. By the way, how are your math skills?
Living on a budget can be tricky and frustrating. Dragging family members and loved ones along on this journey can be downright terrible! If everyone is on the same page and knows what the goal is, then they will warm up to the idea.
We all have our reasons for being here. Maybe the kids need to learn a little "fiscal responsibility". Maybe we have let credit debt seep into our life a little too much,(Who hasn't?) and now we must "take back" the money.
Maybe you decided you just want to torture your family with the new "family project". (Nah....that's not it, is it??!)
So, grab a cup of coffee (or whatever you drink when it's time to pay the bills) and lets poke around my site. Creating a real workable plan is easy when you know how!