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Posts Tagged ‘Budget’

“No, I can’t cut my hair now. I just got a divorce.”

Gotten a divorce and ready to start dating again? Then you’ve got to look good.

But let’s face it. A lot women get a bit too comfortable in themselves during their married lives and then when they are ready to start dating again they look in the mirror and face a person their younger selves would not even recognize. And then, added to that, all of this happens when they might be struggling just to make ends meet.

But there’s someone who can help — Tatiana Aquino who has just launched her blog Style with a HINT of Mint.

Here’s what she says about her mission:

Surprise whoever is on your path… Be different from everyone else… Have a twist to the perfect outfit. That’s me! That’s my MOTTO! I’ve always loved being unique… Being Different from everyone else…Having a TWIST to the perfect outfit. That’s where Style with a HINT of Mint comes from… Wearing something that has a hint of the unexpected.

Always have the element of surprise when it comes to an outfit whether it’s on price (expensive with affordable) or putting an outfit together without following the “rules.” Why follow the rules when you can MAKE the rules? Who invented the rules anyway? Take a risk !! Mix and Match in unexpected ways…. Uniqueness is beautiful. Why would you want to look like everyone else?

My mission with this blog is to show you that you can find amazing things wherever you are. Look for clothes that speak to your personal style. YES, I like to wear and buy expensive things , but there is nothing more amazing than taking the expensive and affordable or the trendy and classic and combining them to make one great outfit. Thinking in a new box is your HINT of mint.

If you’ve sunken into a beauty rut and want to get out, then check out Style with a HINT of MInt and feel free to pass it on.

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Welcome to money-issue Wednesday. Today we are going to focus on ways that you can take control of your finances.

Since money is one of the biggest issues of contention in a relationship, tackling household money issues may improve your relationship with your partner. In cases where the relationship is over, looking out how you can improve your financial situation may give you a better post-relationship quality of life and help you set the foundation needed to avoid the same issues in your next relationship.

1) Make an honest assessment of where you are today. You can’t combat a problem if you don’t know what the real problem is. Look at the world’s financial situation today. Banks may pass stress tests, but does that mean they are really healthy? Or are there still toxic loans out there that could trigger a collapse? And in your household? You may be making it day by day, but what if there were a medical emergency or someone lost their jobs? Could you manage? It may be tough to see the truth, but sometimes the truth hurts. Try to be one step ahead.

2) Have an honest discussion with you partner regarding the situation so that the two of you can work it out together. If you are single, of course you will develop a plan on your own. If you are a single parent, you may have to have a discussion with your children as well (depending on their age), explaining household finances. They can also contribute to a plan to control spending. Don’t start blaming anyone or attacking spending styles. Simply sit down and figure out how you are going to get your finances back on track. Once you’ve created the plan, stick to it. No cheating.

3) Realize that you may have to put yourself on a spending diet. Look at it as a challenge. Believe us, not only do people not need half the stuff they have, they don’t even use it. Learning how not to waste money can be truly liberating. See something in the store you want. Go home and wait a day before making the purchase. You may realize that you already have something similar or you may find that is just doesn’t look as enticing the next day.

4) Sell things that you don’t use. Have an item that you had to have 6 months ago that has been gathering dust ever since. Stop dusting it and sell it. Not only will it give you extra cash, but it will help you see that you really can live without “stuff”. it will also give you more space in the house.  Use the money to pay off bills or put it into savings. Don’t go out and buy something else.

5) Resist temptation by staying away from the stores. For the shopaholics out there, it may be hard at first, but once you start discovering other activities shopping just to be shopping really will feel like eating greasy food after months of only eating healthy food.

6) When you do buy something that you truly need, make a smart choice. Most of the time it pays to buy quality.

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It’s money-issue Wednesday and today we’re going to provide you with a tool for budgeting that you may find useful.

These printable free budget worksheets will help you determine where your money is coming from and where it is going.  While it may take a little time to fill out, but once you get it down on paper, you will be able to see where you can cut back.

Income Worksheet


Monthly Gross Income Total For Section

Salary and wages
Bonuses and Fringe Benefits
Child Support
Alimony
Social Security
Retirement Income
Disability Payments
Unemployment
Worker’s Comp
AFDC
Dividends
Interest Income
Business Income
Rental Income
Other income
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Gross Income $__________
(copy this number to the right)
$__________
Deductions From Income
Taxes
Health Ins.
Other Deductions
Savings
401K

$__________
$__________
$__________
$__________
$__________
Total Deductions $__________
(copy this number to the right)
$__________
Total Gross Income
(minus) Total Deductions
$__________
–  $__________
Monthly Available Income = $__________
(copy this number to the right)
$__________

Expense Worksheet


When filling out this free budget worksheet, if an expense is incurred less often than monthly, convert it to a monthly amount when calculating the monthly budget amount.  For example, if an item occurs only once a year, divide the amount by twelve to get the monthly amount.  Just be sure to allocate money from your income to cover that expense when it happens.

Housing Expense 

 

 

 

Total For Section
Mortgage
Home Insurance
Property Taxes
Repairs
Rent
Renters Insurance
Lawn Care & Services
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Housing Expenses 

 

$__________
(copy this number to the right)
$________ Housing
Utilities  

 


Gas
Electric
Phone
Cable
Water Trash
Sewer
Internet
Cell Phone
Storage Fees
 

 

$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Utilities 

 

$__________
(copy this number to the right)
$__________ Utilities
Children

School Tuition
School Lunches
School Supplies Tutoring
Team Fees
School Photos
Allowances
Camps
Recreation
Sports Fees
Babysitting
Daycare
Diapers
Formula
Child Support
 

 

$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Child Expense 

 

$__________
(copy this number to the right)
$________ Children
Financial
Bank Fees
Check Printing Fees
Safety Deposit Fees
Spending Cash
Bank Loan #1
Bank Loan #2
Student Loans
Auto Loans
Credit Card #1
Credit Card #2
Credit Card #3
Credit Card #4
Other
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Financial Expenses 

 

$__________
(copy this number to the right)
$________ Financial
Transportation
License Renewal
Gasoline
Auto Insurance
Tires
Maintenance/Oil Changes
Tolls
Taxi
Bus Fare
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Transportation  

 

$__________
(copy this number to the right)
$____ Transportation
Health
Doctor
Dental
Eye Care
Annual Physical
Prescriptions
Glasses
Health Insurance
Life Insurance
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Health Expenses 

 

$__________
(copy this number to the right)
$__________ Health
Household /Pets
Groceries
Cleaning Goods
Office Supply
Pet Care
Pet Boarding
Vaccinations
Supplies
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total House Expenses $__________
(copy this number to the right)
$_______ Household
Gifts
Holidays
Birthdays
Weddings
Graduations
General Cards
Christmas Cards
Wrapping Supplies
Shipping
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Gift Expenses $__________
(copy this number to the right)
$_________ Gifts
Personal
Eating Out
Clothing
Haircuts
Nails
Salon
Magazines
Newspaper
Charities
Club Dues
Entertainment
Movies
Hobbies
Magazines
Newspapers
Dues/memberships
Other
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Personal Expenses $__________
(copy this number to the right)
$________ Personal

Calculating Total Expenses on your free budget worksheet

 

 

Total Monthly Expenses 

 

Housing
Utilities
Children
Financial
Transportation
Health
Household
Gifts
Personal
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Monthly Expenses $__________
(copy this number to the right)
$__________

Where You Stand

To find out where you stand, subtract your total monthly expenses from your total monthly available income.  If you come up with a negative number, you will need to work on cutting back on expenses.

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