l it and get a smaller vehicle. Obviously, if the car is paid off keep it. But you still might be able to spend less money with a smaller vehicle especially with respect to repairs and gasoline.

Step 2-Analysis of your budget

What is your household overhead? The term “overhea

We are told time and time again as Americans we spend more money. Everyone complains that only if they had more money, their problems would go away. We all know that is not true. It might solve some problems but not all our problems. How many times have we heard those who won the lottery are poor within a couple of years? We think to ourselves, “that would never happen to us”.

How could the winners lose all that money? Simple! It is a lack of discipline and education (not the education of scholastic aptitude) but a lack of financial education and as I said before discipline. Remember it’s not how much you spend but how much you save that is important. Let’s take a look at some simple steps to put money back into your pocket.

Step 1-Your Car

The price of gasoline is rising. Sure it has come down in the past few months but if you compare the price of gas this year to last year we are still paying more. No, I am not asking you to give up your car or ride a bicycle to work (although it would be better for your health, just not practical). If you are driving a big vehicle and you really do not need it (i.e. for work), sell it and get a smaller vehicle. Obviously, if the car is paid off keep it. But you still might be able to spend less money with a smaller vehicle especially with respect to repairs and gasoline.

Step 2-Analysis of your budget

What is your household overhead? The term “overhea

are poor within a couple of years? We think to ourselves, “that would never happen to us”.

How could the winners lose all that money? Simple! It is a lack of discipline and education (not the education of scholastic aptitude) but a lack of financial education and as I said before discipline. Remember it’s not how much you spend but how much you save that is important. Let’s take a look at some simple steps to put money back into your pocket.

Step 1-Your Car

The price of gasoline is rising. Sure it has come down in the past few months but if you compare the price of gas this year to last year we are still paying more. No, I am not asking you to give up your car or ride a bicycle to work (although it would be better for your health, just not practical). If you are driving a big vehicle and you really do not need it (i.e. for work), sell it and get a smaller vehicle. Obviously, if the car is paid off keep it. But you still might be able to spend less money with a smaller vehicle especially with respect to repairs and gasoline.

Step 2-Analysis of your budget

What is your household overhead? The term “overhea

discipline. Remember it’s not how much you spend but how much you save that is important. Let’s take a look at some simple steps to put money back into your pocket.

Step 1-Your Car

The price of gasoline is rising. Sure it has come down in the past few months but if you compare the price of gas this year to last year we are still paying more. No, I am not asking you to give up your car or ride a bicycle to work (although it would be better for your health, just not practical). If you are driving a big vehicle and you really do not need it (i.e. for work), sell it and get a smaller vehicle. Obviously, if the car is paid off keep it. But you still might be able to spend less money with a smaller vehicle especially with respect to repairs and gasoline.

Step 2-Analysis of your budget

What is your household overhead? The term “overhea

e the price of gas this year to last year we are still paying more. No, I am not asking you to give up your car or ride a bicycle to work (although it would be better for your health, just not practical). If you are driving a big vehicle and you really do not need it (i.e. for work), sell it and get a smaller vehicle. Obviously, if the car is paid off keep it. But you still might be able to spend less money with a smaller vehicle especially with respect to repairs and gasoline.

Step 2-Analysis of your budget

What is your household overhead? The term “overhea

l it and get a smaller vehicle. Obviously, if the car is paid off keep it. But you still might be able to spend less money with a smaller vehicle especially with respect to repairs and gasoline.

Step 2-Analysis of your budget

What is your household overhead? The term “overhead” is used in business quite a bit. Overhead is the day-to-day cost and monthly/yearly cost of operating your household. You would be amazed at how many people do not know what it cost to “operate” their house. They think they know until they actually put pencil to paper and write out every cost. They are usually very surprised how much money is actually wasted and where it all goes. And it goes pretty damn fast.

Step 3-Your house or apartment

After performing a budget analysis you will probably realize you spend a lot in electric, gas and water. One way to save is to get on a budget plan with the utility companies. This could create an immediate savings. If you live in a cold place, putting in additional insulation for windows and doors are helpful in keeping the place warm. You can also wear an extra sweater and keep the heat lower. If you live in warm climates, install a ceiling fan and use it more than an air conditioner. These small steps will help to decrease the monthly utility overhead.

Step 4-The Groceries

This is a tough one. You want to eat healthy but there are rarely coupons for healthy food. Ever