KEITHGILABERT.NET: THE AVERAGE PERSON SPENDS $780.00 A YEAR AT STARBUCKS!

Write it Down!  A written budget is valuable to having successful personal finances. The first of each month, compose a list which describes every expense. Remember to include all expenses due, such as rent, lights, cars, phones and food. Try to take all expenditures into consideration. Add up your anticipated monthly expenses, and make sure you don't spend more than what you have left after paying them.

If the whole family wants an expensive item, then ask each member to contribute to buying it because this will show kids the value of money and make them appreciate what they have. When the purchase is for something the whole household can enjoy, like a new television, try convincing everyone to donate towards the purchase.

KEITHGILABERT.NET: Avoid Financial Pitfalls Now With These Simple Do-It-Yourself Tips