What is the secret to planning a family budget? Making it personal. Too many people try to use a cookie cutter approach and simply copy someone else's spending habits and then wonder why their budget is not working.

You have got it to make it personal and you have to be committed to it. I have some new friends up in Canada and we are working on this very thing. And you know what? There is joy and relief as they see that they CAN do this.

And so can YOU,! However, your budget will not work in month 6 if you quit after month two or three. So get going, make it personal, and let me know if you need some help to save money, get out of debt, and live financially free!

Until next time .....

David Kimball

One thing that you could do if you are noticing that debt is controlling every aspect of your life is to start making some changes in the way you spend money, what you spend money on, how much you are spending and anything else within your daily routine that might need to be changed a little to ease you from some of your financial struggles.

Sit down and really give this a great deal of thought, instead of crying all the time, wishing, hoping and just waiting for something to change, without doing anything to make it happen.

Get started doing something now!

Digging Deeper

Planning a family budget is one of the keys to financial planning. Adapt these tips to make one uniquely your own.

While the basic needs of people to sustain life (food, shelter, clothing, etc.) are hardly unique, your income and the specific expenses that make up the household budget are one of a kind. As you go along, you will take this exclusivity into account as it is inherit in everything you do. You will be using your own spending patterns, adjusting the way you spend and save money.

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A Little Perspective

A bank is a place that will lend you money if you can prove that you don't need it. Bob Hope

Through wisdom a house is built, and by understanding it is established; and by knowledge the rooms shall be filled with all precious and pleasant riches. Proverbs 24:3-4

Ebooks and Podcasts as well as back issues of this newsletter. Let me know if you have forgotten the password that was sent in your welcome email.

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Personal Financial Coaching

It is my passion to help families prioritize now to make sure that one parent can stay at home. If diligent, you can be debt-free in 36 months or less without buying insurance, investments or magic software. This is advice you can trust because I do not sell any of these things.