"Life is ours to be spent, not to be saved"

Life is yours to be spent, so spent it well!

Have a great day ahead!

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Alfred Lee
alfredmym@gmail.com

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HOW TO CREATE A FAMILY BUDGET

For singles, creating a budget is relatively easy. They tend to have a good handle on how much money they have coming in, and when tracking expenses, they only have their own to think about. But creating a family budget is a whole new ball game.

Most families have multiple sources of income. And when there are multiple spenders, that makes things much more confusing. This is one of the main reasons that families lack a formal budget. But having a budget and sticking to it can greatly improve a family's financial outlook.

Making a family budget may be tricky, but it can be done. Here's how: -

1. Take inventory of all income. If a certain source of income fluctuates from month to month, use the lowest amount or average it out.
2. Keep track of all expenses for a month or so. Keep all of your receipts, and ask all family members to turn theirs in to you each day.
3. Add up your monthly expenses. Be sure to include bills, debt payments, groceries, and everyday expenses such as lunch money and transportation costs.
4. Get the family together and discuss ways you can trim the budget. Getting input from other family members will help you determine which expenses are necessary and which ones could be cut down or eliminated. Maybe you or your spouse could start taking lunch to work instead of eating out, or maybe the kids can drop an extracurricular activity.
5. In addition to individual expenses, discuss how you can cut down on the electric bill, groceries and other necessary family expenses. Consider such things as carpooling or taking public transportation, buying more generic foods and adjusting the thermostat.
6. Estimate how much you can save on regular expenses, and cut the completely unnecessary items out of the budget. Then re-figure it and see where you stand.
7. If you end up with a surplus, allocate a portion of it to savings. If you're in the red, go back and rework the budget until you have more income than expenses.

Being Realistic

One reason that family budgets often fail is because they're just not realistic. It's great to cut down on expenses, but sometimes we tend to go too far. For example, cutting entertainment out of the budget completely might look good on paper, but we all need a little diversion every now and then.

Instead of cutting such things out of the budget completely, consider finding ways to lower the cost. Going back to the entertainment example, maybe you've been going to dinner and a movie as a family twice a month. But eating in and renting a new release would be much cheaper, and you would still get to spend quality time together.

Individual expenses can also be tricky. This can be resolved by allocating a certain amount for each family member to spend each week. If someone spends his entire amount before the week is up, reevaluate his expenses and adjust if necessary.

Creating a family budget can help keep spending under control, leaving more money to pay down debts and save for future goals. But in order to succeed, close monitoring is essential. Your efforts will be rewarded, however, with less financial stress and more money in the long run.

Hope this information gave you some ideas on how to create a family budget for you and your family.

Take a good care and have a great day ahead!

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Quote Of The Day

"NEVER SAY NEVER, BECAUSE LIMITS, LIKE FEARS, ARE OFTEN AN ILLUSION." - Michael Jordan

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Eager Zebra's Games - One Of The Most Popular Online Games At TripleClicks!

Did you know that one of the most popular things to do online today is play games? It’s a fact. A recent study found that 44 percent of the world’s online populations are gamers. And it is estimated that over one BILLION people worldwide play online games on a regular basis–with more than 100 million playing DAILY!

Hundreds of millions of people worldwide are playing online games daily, which make TripleClicks to have one of the most popular online gaming division – better known as EAGER ZEBRA!

Eager Zebra Games are stress-free and it’s very fun and relax to play with. Besides, most of the games are free to play online! Plus, you can get a free entry in Daily Crown Drawing when you play any Eager Zebra game and get a chance to win a share of over $1,700 in prizes with NO purchase necessary!

These are the lists of EAGER ZEBRA Online Games that you can participate and enjoy!

GRANDMASTER POKER

• It’s not your grandfather’s Poker! Exclusively at TripleClicks.
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ZACKJACK

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• Put together winning hands to earn badges, prizes and etc!
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CARD KING

• Will the next card dealt be higher or lower than the last? Each correct guess earns points.
• Earn Bonus Points, Bonus Prizes and Cool Badges!
• Post a top 100 score for the day to win a share of the daily Card King Zackpot.
• Yesterday’s winners took home 1,081 TCredits!
• Play free or for as little as one TCredit. No purchase necessary to WIN!

 

GOLD STREAK

• Build a streak of correctly-answered survey questions.
• Compete for the top spots on the Gold Streak leaderboards and earn cool badges!
• Earn unlimited Member Rewards Points.
• Play free or for as little as one TCredit. No purchase necessary to WIN!

UBER-PICKS

• Sports fans: UP the excitement of following all your favorite sports!
• Pick winning teams and maximize your score by strategically assigning "confidence points"
• Win badges, shares of the Zackpot, and compete for the top spots on the leaderboard!
• Last week’s players took home 1,153 TCredits and 8,860 MRP!
• Play free (once per month) or for as little as one TCredit. No purchase necessary to win.

 

KNOCK-OUT TRIVIA

• Outlast your fellow players answering trivia questions to win free Daily Crown drawing entries.
• No purchase necessary to enter or WIN!
• Earn unlimited Member Rewards Points.
• 40+ exciting games daily.

 
TIME MACHINE

• Correctly predict the answer to a coming event to win a share of the Time Machine Zackpot.
• Just 1 TCredit to enter, no purchase necessary to play or win.
• Plus, earn 5 Member Rewards Points with each entry!
• The latest Time Machine winners shared a Zackpot of 19,461 TCredits!

And so much more!

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Have A Great Day And ENJOY!

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Have a great day! Cheers!

Quote Of The Day

"If a man does not keep pace with his companions, perhaps it is because he hears a different drummer. Let him step to the music which he hears, however measured or far away."
- Henry David Thoreau

HAPPY NEW YEAR 2017

A new year is like a blank book. The pen is in your hands. It is your chance to write a beautiful story for yourself.

Let's hope as this challenging year ends that 2017 will be a much better and brighter year.

I Would Like To Wish Everyone A Healthy, Happy, Blessed, Adventurous, Successful and A LOVING 2017!

HAPPY NEW YEAR 2017!

Cheers!