原创 Reviewing

Reviewing Philadelphia's More Than Just Ice Cream AKA Mojos Today, many new self-help books on saving money rarely apply to those who are in the low to poor classes of society. They talk of reducing the number of vehicles you own, cutting up credit cards, working extra hours, working extra jobs, investments, doing your own remodeling, planning for the future and finding cheaper gym memberships. This tends to describe upper to middle class working families who already make $90,000 a year, but are $100,000 in debt. These books tell these families on how to make more money, they don't tUggeach them how to spend or be smart with the money that they do have. These books are not for the people that are in the lower classes that own one to two cars that barely run, have little to no debt because they can't afford to buy anything large enough to need a loan, work all the hours thjordaneir jobs will provide, have no extra time to work other jobs because of working all they can at their primary job, have no money for investments, rent an apartment or house that remodeling wouldn't apply to them, can't afford the now much less the future and have never stepped foot into a gym. is absolutely wonderful, but this is more geared towards the simple, every day things that anyone and everyone can do to improve their financial issues. I know everyone's situation is different and many different factors can apply, but try this for yourself and see how stress-free you can feel. The first thing you do is add up the bills that you must pay every month. Only include the ones that you're held accountable to someone else for: that includes the car payment, rent, utilities, tithe (this is a musair jordan shoest in our family), insurance, credit card etc. Do not include food, gas, toiletries, cigarettes, cable, phone, Internet, memberships, subscriptions, etc. Now add up the net household income (or bring-home pay). How do they compare? This is the first step, but it is the critical step of telling you how much you spend. If your bring home pay is less than your total bills, then you have truly get paid every week. The bill total divided by four is the amounfl jerseysnt you need to set aside each week to insure that your bills are paid every month. Do you make that much a week? If not, something else must go. But if you're this far, you probably do make enough. Next, take an envelope and write on it the name of the bill (rent, car, electric, cable, credit card, etc.) and the amount that is due every month. Now divide it by four or the number of times you get paid. This is the amount of money that you must set aside and put in the envelope every time you get paid. To be on the safe side, you can always round up. (If your phone bill varies between $40-$55, you could keep out $60 a month or $15 a week just in case.) Do this for every bill that you have. Keep all the envelopes in a safe, secret place such as a fire-safety box, between the mattresses, in the freezer, etc. Take your weekly bring-home pay and fill each envelope with the correct amount. When the bill is due in 4-5 weeks, you will have the money already. Just deposit it in the bank and write your check or purchase a money order and send. Now, usually bills are due at different times of the month in which case getting this program started can be difficult. So if you can't start with every bill all at once, start with one at a time. After you louis vuittonpay a bill one week, start filling your envelope the following week. Once in awhile there will be a bonus 5th week check! Still use it to fill up the envelopes. When the bill is then due, there will be extra in the envelope. You can either pay heck out thlouis vuitton bagse library for books on smart shopping, shop at different stores, keep an eye open for sales and don't buy brand name foods unless you absolutely can not stand the taste of off-brand things. Try giving up certain foods for less