September 21, 2006 - Spokane, North Idaho News & Weather KHQ.com

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September 21, 2006

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Developing a family or household budget probably does not rank very high on the list of activities folks would choose to engage in during their spare time. In fact, many people might consider this task to be a chore, not a choice. That mindset can lead to financial chaos, at best, and to financial ruin, in a worst-case scenario. 

If you are seeking to improve your financial situation, you won't make much progress unless you change your spending and savings habits. And, until you honestly assess how much money comes in (your income) and where it flows out (your expenses), you won't know which changes are right for your particular situation. That is why you need a spending plan, also called a working budget:  http://www.bbb.org/alerts/article.asp?ID=709


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