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Living in the current economic environment and a weakened global economy has changed the way that most of us think about money. More specifically, many people are cutting back, curbing their spending, and looking for ways to save. Perhaps hardest hit by the economic downturn has been the American family.
If your family is looking to cut corners to make ends meet or to simply put away an extra stash of cash for necessities and emergencies, you can find some middle ground and work together to save big. Top money managers list some tips below to help your family save an additional $100-$200 dollars this month:
Money Manager Tip for Families #1: Know Where Your Money Goes
This is a top concern of nearly every money manager and financial advisor ? individuals and families simply have no real idea where their money is going each month. Money is so easy to spend, but oftentimes it is hard to remember where it was spent. Tracking the money that you and your family spend each month is the first step to becoming more budget-conscious. Keep a record of every penny that you spend, each and every day, and have your family members do the same.
Once you reflect back on the small purchases that are eating a hole in your wallet ? sodas from the vending machine, coffee at the shop across the street, etc., then you will see that a lot of your income goes for the little things. Work to eliminate incidental expenses and you'll be happy to find that you have more 'jingle' in your pocket at the end of the month.
Money Manager Tip for Families #2: Avoid Impulse Buys
Becoming a more savings-savvy consumer means planning out the purchases that you will make to avoid impulse buys. From groceries and basic household items to DVD movies and clothing for the kids ? know what you plan to put in your cart before you head out to the store. Comparison shopping can add up to significant savings on the items that you need, so always look around before you buy ? and browse the Sunday paper for sales that are coming up on things that you'll be purchasing anyway. When you are planning a big purchase, like a refrigerator, comparison shopping can save you hundreds of dollars.
Online shopping is a great idea for many consumers because it helps you avoid the stores where you're tempted to buy more than you should ? and online coupon codes can help you save even more or get free shipping. Never use your credit card for purchases that are not planned or for emergency purchases.
Money Manager Tip for Families #3: Make Saving a Family Affair
Families must work together, according to money managers, in order to make and stick to a budget that will allow them to save. Even the smallest members of the family can help you save ? so give everyone a 'job' (even if it is just shutting off the lights in rooms that are not in use) to help instill responsibility in the family as a whole. Make a family savings chart to record your progress, and be sure to reward children's best efforts. If the entire family is committed to saving, the process will go much more smoothly and be more effective.
MoneyManager.com can help you find a money manager in your area that is sympathetic to your needs and can take an impartial view of your financial situation. In addition, you can find more articles about personal finance and money management by visiting our www.moneymanager.com site today.
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