Thursday, April 30, 2009

simplify your spending

There is no hiding that we are in a less-than-perfect economy right now. While I am not a financial advisor, I do get a fair amount of questions related to managing an organizing finances and the like. I personally feel that if you are organized with your finances and smart with your money, you are headed in the right direction…and you are also teaching your children a very valuable lesson!

If you have a little work to do to get organized, here are 3 simple ways to organize and simplify your spending.

1) Use one credit card. If you are responsible, there is no reason why you shouldn’t have a credit card. But, rather than using several different cards, consolidate all of your purchases on one single credit card. If you have to return something, you'll know which card you used. You won't have to carry tons of cards in your wallet everywhere you go. You'll only have to pay one credit card bill at the end of each month.

2) Buy gift cards, for yourself. Determine what your shopping budget is and buy gift cards in your favorite stores for that amount. Whenever you purchase something, use your gift cards. When your gift cards have run out, you've reached your budget.

3) Buy what's on the list. When you go shopping, go with a list and only buy things on your list. Keep your attention focused on those items you originally set out to buy. When people browse around and window shop, they tend to spend a lot more then they originally intended.

It might sound overly simple, but just doing these 3 things will really help you simplify your finances…and probably save you a good chunk of change after a few months!

For more organizing tips, visit my website: www.andreadekker.com

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