![]() ![]() Let your mantra be “If it is to be, it is up to me” It’s easy to get either really excited about the possibilities or depressed upon the realizations. What are some ways we could possibly decrease our monthly expenses.What are some ways we could possibly increase our income?.What does our savings account look like? Can we increase our savings this year?.Try to be cognizant and forward thinking to prevent blowing the budget later. Is this the year we will be forced to make major purchases such as an appliance, home repair or even mattresses or furniture.How much debt can we realistically expect to pay off this year?.What do we hope we can achieve as a family this year?. ![]() The key is to have goals in order to manage your finances instead of allowing your finances to manage you. My husband and I sit down periodically and either set new goals or review the success of our previous goals. We are also sharing 15 tips to reduce spending! Managing family finance is at the top of the list when it comes to setting goals, especially setting goals for a new year. Our set of Household Budget Worksheets are designed to help you with the process of setting realistic and achievable goals.
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