My husband and I struggle to get all the bills paid each month and have no savings to fall back on. We desperately need to learn how to approach our finances in a different way, or we'll be headed for bankruptcy. An online course or something we can attend in person in Houston would be great! Please help..
Personal Finance - 3 Answers
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1
I can't help you with a course or seminar, but you and your husband should read "Personal Finance for Dummies". It's in every book store, I assure you. It is a great read for those trying to establish good financial habits. Good luck.
2
The above mentioned book is a good idea. A lot of personal finance books say the same things, but P.F.F.D. is a good, comprehensive book. If you are in Los Angeles, there is Total Money School. http://www.totalmoneyschool.com/
3
Here's something I've been doing for over a year and it really helps;; '50/30/20"...it's from a book called "All Your Worth": each paycheck, 50% goes for necessities; 30% to spend as you please,and 20% to save and invest...of course, you can 'tweak' these numbers if you like...I spend 20% and save the 30% but you can juggle it all you like; it's at least a start!! if you don't want to spend 30% on goodies, cut it back to 10%, or whatever works for you at the time...(ie, if you have lots of pressing bills to pay) then, when your bills, etc. are caught up or not as pressing, add more to the 'fun' spending percentage!!!!! it works! & you'll save the cost of going to a consultant, etc..!! try it and good luck..email me if you have any further questions, etc.
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