If the word happy or friendly is in the title, I am on it. If that also includes a community of savings, I am on that too. Happier.co.uk is the place to go for a super friendly money saving community and I just recently heard about it. Saving money or even making money is something that makes me extra happy, all those who are close in my life can tell when business is at a slow point because my personality and mood is slightly off. Even though money is not the route of happiness, saving money could very well be a strong part of the happy trail in life.
Whether you are looking to be savvier or looking for that special deal, there is a friendly community out there waiting for you to check them out. Saving money is a skill not everyone is born with nor is everyone taught the best way to save money. I personally have never been taught well in the financial area of life, I simply wing it and do my best to live in a way that we all have the things we need because the things we want can come later in life or never at all. Having the things you need and saving money on the things you need is vitally important to me.
Money saving guides are a great way to help assist in guiding you to financial success. This means that you will be better at saving money versus spending money. This means that you would have a chance to have that extra fund set aside for emergencies and/or the things you want in life. Saving money is important in this day and age. It seems CEO’s have huge funds saved up from all of those years prior to the economy crashing supposedly and the lay offs beginning for the middle class. They say there is no middle class anymore, you are either poor or rich; who cares what they say. I prefer to focus on what I can do with my own money I earn for my household. I prefer to research money saving guides online and being a part of a friendly money saving community so that I can learn to save money and find the best deals possible.
Saving money is important, are you good at saving money or not so good at it? What are some of your tips you have for others seeking to find a way to be better about saving funds?
I am just loving all of the coupons and saving money offers that are hitting my inbox and I must share them with you because I am a new found fan of the Extreme Couponing show on TLC. The more people who can save money the happier people just may be! Coupons are there for a reason so here are deals I must share with you today:
I swear so many people have bad credit, really! There are those awesome people who were born with the skills to completely do well financially as well as somehow run a budget. I, myself, wasn’t taught well with budgeting but as I have grown older I have learned how to create a great budget and utilize it to better keep on track with bills.
The Credit People are just one of the many credit repair service companies I have seen around. I don’t understand how to fully repair your credit, the only thing that comes to mind to me is to pay it all off. Easier said than done probably with most. I know that when I turned 18 years old I maxed out about three credit cards because I thought it was cool to have them. It took me three plus years to pay those babies off and now they are still showing for I think about another year as a negative impact on my credit.
One thing I plan to do is teach my children how to budget better through example, teach them about money and bills so that in the future they hopefully will learn how to handle money well. I think that if we start teaching our children at a young age then they will not have to be like so many others and look for ways to Repair Your Bad Credit.
I personally can not wait to get my budget sheet printed out and start showing my oldest a little bit about how we plan with bills. I may do an example one so that she doesn’t get involved in the adult part of our life, basically set one up as a sample and have her practice with maybe pretend dinner costs, and such! Do you plan to teach your children about money at an early age, or do you already teach them basic budgeting skills?
If you are not using a budget of some sort for your family finances then you are not being proactive in your financial life. Some people use a Certified Financial Planner to help them get on track with what they are hoping to reach in life financially. A financial plan is a document that is in a binder and will break down all educational components as well as a tailored plan of action steps so that you can take action in a positive direction to meet or exceed your financial expectations of a future for your family.
When working with a San Francisco Financial Planner you will know that you are working with a third party unbiased person who is sometimes fee based and looking to help you gain a positive financial future.Working with a fee based financial planner may be easier for some that feel commission or sales based financial planners are working more for “a buck” than for you. I will be honest that no matter how someone is being paid, most are working in the position they are working in because they are passionate about helping others. It’s all a matter of what you are comfortable with.
Based from personal experience, never having worked with a financial planner I can say that it appears having one may help lead me, my family and my business in the direction I want it to go in. I know that when I sit down and use my budget sheet and stick to the budget set forth I end up making my financial stress load go down. Speaking of which I am going to end this post here, let you determine what’s best for your financial future, and go work on my budget sheet!