Subject: {!name} - Budget to Gain Control

Hi {!name},

Quote: We can tell our values by
looking at our checkbook stubs. -
Gloria Steinem

Once you have calculated precisely how
much money you owe then it is time to
create a budget that will help you to
use your income more efficiently by
covering all your necessary expenditure
and working towards the elimination of
your debt.

A budget can be prepared in a book or
more effectively online using a program
such as Excel.

Now when you prepare your budget you
need to take into account everything
that you can think of relating to
income and expenditure and this budget
will need to be updated on a regular
basis as more things come to mind when
there are changes in your financial

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This is why it makes it a lot easier to
use a program such as Excel where
totals can be added quickly and you
will be able to see in a matter of
seconds which direction you are going
in and whether the steps that you have
made have resulted in positive changes
towards your financial well-being.

Where you are unsure about specific
parts of the budget such as how much
money you spend per week on food and
other essential items, you will have to
make an estimate initially until you
are able to take notes the next time
you go to the shops and see precisely
how much you spend.

Once you get some of these figures you
will be able to determine whether you
are overspending in particular areas
and what you can do about reducing such
expense. Your food shopping is one area
where you can save a considerable
amount of money because most people
don't have any strict limits on their
food spending.

Once again changes can only be made if
you know precisely what you've been
doing in the past and where you can
make the changes in the future. It
might mean that you have to completely
change the types of foods that you are
buying and often the benefit of doing
this is you improve your health along
the way by buying food that is better
for you.

Budgeting is your way to gain control
over your finances once again. In fact
it is the only way for you to gain
control. It is a lot easier than you
might expect and once you begin to use
a budget you will wonder how you ever
managed your finances in the past
without having a budget.

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