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Self Help

Develop a Budget: 

Step 1. Calculate how much money comes in every month.

Step 2. Calculate your fixed expenses. These are expenses such as alimony, rent, food, tax and others that you have to pay every month

Step 3. Write down variable expenses. This is tuff like entertainment, clothing, etc.

Step 4. List all other expenses

Step 5. Don't spend more than you make.

Your public library has information about budgeting and money management techniques. Low cost budget counseling services that can help you analyze your income and expenses and develop budget and spending plans also are available in most communities. Check your Yellow Pages or contact your local bank or consumer protection office for information about them. In addition, many universities, military bases, credit unions, and housing authorities operate nonprofit counseling programs.

A lot of the information on this site was taken from the FTC. Some of it copied directly. If you want, call them at 1-877-FTC-HELP