93423 50 Business & Finance Personal Finance Budgeting true Tue, 16 Dec 2008 10:02:21 -0800 /system/videos/1/23/34/09/93423.flv DIY, Instructional, tutorial, Do It Yourself, Tips, Essential Skills, Learn to, business, finance, personal How To Make a Personal Budget http://www.howcast.com/videos/93423-How-To-Make-a-Personal-Budget http://www.howcast.com/videos/93423-How-To-Make-a-Personal-Budget/edit approved 129 480 360 <object width="425" height="352" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=93423"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=93423" type="application/x-shockwave-flash" width="425" height="352" allowFullScreen="true" allowScriptAccess="always" ></embed></object> 14 Blairgbob http://img.howcast.com/system/thumbnails/93423/Picture_1_xxlarge_maintained_aspect.png 3826 false false false 50945 1 24 Step http://img.howcast.com/system/thumbnails/93423/24.jpg Track expenses For one month, write down every single cash purchase that you make.

]]> 50946 2 30 Step http://img.howcast.com/system/thumbnails/93423/30.jpg Review finances With the help of your spending journal and your credit card and/or debit card statements, tally up how much you spent the past month. Then subtract it from your monthly net income.

]]> 50947 3 40 Step http://img.howcast.com/system/thumbnails/93423/40.jpg List debts List any debts you have.

]]> 50948 4 45 Tip You can find personal finance software online that will help you create a budget.

]]> 50949 5 49 Step http://img.howcast.com/system/thumbnails/93423/49.jpg Analyze spending If you are spending more than you earn, see where you can cut back. Keep trimming until you’ve figured out an amount you can afford to spend each month on nonessential items like new clothes and dinners out.

]]> 50950 6 62 Tip Don’t forget to include a payment to yourself—as savings. Even if it’s just a nominal amount, it will get you in the habit of saving money.

]]> 50951 7 70 Step http://img.howcast.com/system/thumbnails/93423/70.jpg Include seasonal expenses Tally up as many annual expenses as you can (holidays gifts, a summer vacation, birthday presents); divide by 12 and add them under “Miscellaneous.”

]]> 50952 8 81 Tip If you have credit card debt, factor in the greatest monthly payment you can afford that is above the minimum so you can begin chipping away at your debt.

]]> 50953 9 89 Step http://img.howcast.com/system/thumbnails/93423/89.jpg Make adjustments Review your budget every month and adjust it if necessary, even if that means allocating more to expenses and less to savings and/or debt than you’d hoped. You need to keep it realistic, or it won’t work.

]]> 50954 10 101 Tip If the holidays kill you every year, consider starting a Christmas club account—that’s where a certain portion of your paycheck goes directly into a special bank account.

]]> 50955 11 109 Step http://img.howcast.com/system/thumbnails/93423/109.jpg Be realistic Be realistic about sticking to your budget. Like a diet, a budget is meant to be blown once in a while. Just don’t use it as an excuse to ditch it altogether.

]]> 50956 12 119 Fact About 1 in 20 American households owes $8,000 or more on credit cards, according to the Federal Reserve.

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127 http://media.howcast.com/system/videos/2/72/36/17/173672.flv DIY, Instructional, tutorial, Do It Yourself, Tips, Essential Skills, Learn to, business, finance, personal Business & Finance Personal Finance Debt 2 http://img.howcast.com/system/thumbnails/173672/Picture_1_xxlarge_maintained_aspect.png http://www.howcast.com/videos/173672-How-To-Avoid-Bankruptcy 55 1076 How To Be a Medical Test Subject AssignmentGuide 2584 Tue, 05 Feb 2008 14:31:44 -0800 11 natewood ]]> 159 http://media.howcast.com/system/videos/5/76/10/1076.flv business, clinic, clinical, DIY, Do It Yourself, Essential Skills, get, guinea pig, Instructional, job, Learn to, make, medical, money, paid, pay, science, subject, test, Tips, tutorial, work Business & Finance Personal Finance Fast Cash 5 http://img.howcast.com/system/thumbnails/1076/Picture-7_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/1076-How-To-Be-a-Medical-Test-Subject 55 97819 How To Throw a Rent Party AssignmentGuide 1521 Sun, 14 Dec 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