Hang On To Your Earnings

Hang On To Your Earnings. Earn more. Spend less. Save.

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When spending is larger than income you need a Spending Strategy.

A Spending Strategy is a specific plan on how to increase income and decrease spending.

Family Finances can help.

Increasing Income (examples):

Get a second job
Find handyman projects
Qualify for a raise
Get a better job

Spouse goes to work
Get more training
Work more overtime
Sell something

Reducing Spending (examples):

Cut back on entertainment
Carry lunch to work instead of buying lunch
Look for cheaper housing
Go on the “budget plan” at the Power Company
Turn the lights off when not using them
Replace cable TV with “over the air “TV
Get books and videos at library instead of renting
Transportation (bus vs. own vehicle)

Avoid impulse purchases at the checkouts
Reduce vacations and travel
Reduce elaborate gifts
Spend less on parties and celebrations
Clip coupons
Buying second hand vs. new
Take advantage of seasonal purchase power
Use meal plans

Saving (examples):

Save a "Dollar a Day"
Use the "Change Jar"
Start a "Spending Reserve"

Start an "Emergency Fund"
Save up for a Purchase rather than Borrowing
Watch it grow

Also see Analyze Expenditures

Loaded With Features.

Personal and family finances software.

For download process click Download link