Budgeting

Preparing Your Family Budget

If your family is floundering financially, it may be time to put pen to paper (or fingers to keyboard) and make up a family financial plan. Consumer Credit Counseling Service suggests keeping the following tips in mind when developing your family budget: 1. Your budget should be tailored to your needs, values and priorities, with special consideration...

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Spend Less on Groceries
Spend Less on Groceries

You know you spend a bundle for groceries. No secret in that! Here's what you can do about it: Sound meal planning. Make your menu with grocery shopping in mind. Try to select recipes that use items that are already in your pantry. Remember what foods are in season. They'll be cheaper. Always be on the lookout for recipes that 'dress-up' inexpensive...

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Money Management for the Christian Family
Money Management for the Christian Family

In his day, John D. Rockefeller was one of the richest men in the world. For all practical purposes, his money was virtually limitless. Once, an interviewer asked him, “How much money is enough?” Rockefeller replied, “Just a little bit more!” As outrageous as it sounds, haven’t we all been there? Whatever our income level, we think...

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Trusting God, Not Credit Cards
Trusting God, Not Credit Cards

Do you struggle to trust God rather than money for your future security? Pray with an mentor who will support you without judgment. My friend Janet and I chatted and sipped cappuccino at the coffee shop. I complained about an insufficient salary and mounting bills since my son had entered college. Due to across-the-board cuts, I had lost a...

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Gas vs. Electric Heating
Gas vs. Electric Heating

Natural gas prices are going up all the time. At what point does it make sense to replace my gas water heater (40 gallon) with an electric one? I live by myself and my July gas bill was $28. I take 1 quick shower a day, do 2-3 loads of laundry a week, and run 1 dishwasher load per week. I also rarely, if ever, use my gas stove during the summer....

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