Keeping a monthly budget is a good way to help a person to save money. Here are steps and ideas for doing so:
A. Make a detailed list of all monthly expenses;
B. Have at hand monthly income;
C. On the monthly expenses list check off items that can be bought for less or not used every month. Here are examples:
C1. Entertainment costs such as seeing movies or restaurants can be reduced;
C2. Buying store brand products at the supermarket are less costly than name brand products. Coffee is a good example;
C3. Cable TV costs can be reduced several ways:
a. Use a less expensive cable TV company, normally 2 are available;
b. If no change is wanted, cut out premium channels such as HBO;
c. Ask your cable carrier for a reduced rate or you will change carriers;
D. See if refinancing a mortgage will make lower month payments;
E. Ask credit card companies for a lower interest rate. This has worked in many cases; and
F. Car insurance companies have different rates. Find a better less expensive company;
G. Many times combining all one's insurances with one company (called bundling). This may reduce monthly bills;
H. Buy regular gasoline not premium if possible;
I. Buy clothing off season whenever possible; and
J. Find a good bank that does not charge for checks.
Often times this listing budget items will enable left over funds for savings accounts.
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