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How to create a household budget

How do you create a household budget when your spending is out of control?  The same way you would go on a diet to lose weight.  You exercise more and consume less.

Review your spending pattern for the last three months.  If you can, enter the information in a program such as quickbooks or perhaps excel.  make categories of your spending and I propose combining eating out with your grocery category.  Once you've documented all that, you're ready to trim away to leave the essentials.

Just like any fitness program, it's not going to be easy to break old habits but you can do it.  We can prepare a household budget for you which you can use to rebuild your cash reserves.  

Shoot to create a 3 to 6 month emergency fund.

Remember:  Live below your means.

I am a CPA in San Antonio and provide bookkeeping, payroll, taxes and more.  We offer a free initial visit and look forward to serving your business needs.


Richard J. Garcia | 11/03/2011