Web­site for bud­get tips

Central Otago Mirror - - FEATURES -

The New Zealand Fed­er­a­tion of Fam­ily Bud­get­ing Ser­vices has help­ful in­for­ma­tion avail­able on their web­site www.fam­ily­bud­get­ing.org.nz Nu­mer­ous tid­bits of ad­vice and bud­get­ing tools are listed amongst this in­for­ma­tion, which is an ex­cel­lent start­ing point for those who want/ need help with their bud­gets. Not only does this help to iden­tify what ex­penses house­holds have but also helps the homeowner to plan how these can be ac­counted for out of the in­com­ing house­hold wage packet. The bud­get work­sheet is the best place to be­gin for most peo­ple. The first time you fill out your bud­get work­sheet you may es­ti­mate some amounts. Use this first draft to give you a pic­ture of your cur­rent fi­nan­cial sit­u­a­tion. Once your bud­get work­sheet is bal­anced or show­ing a sur­plus, you can be­gin to work on the next step, which is the cash flow. The cash flow may be daunt­ing to be­gin with but is a very pow­er­ful tool in help­ing you to­ward your fi­nan­cial goals. The Great Lit­tle Cook­book is a down­load­able book fill of help­ful ideas, menu plan­ners and recipes to help with cut­ting costs and sav­ing money, while en­sur­ing the fam­ily re­mains hap­pily and healthily fed.

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