Budgeting tips!!

Building the budget habit

I found some good quick budget tips I wanted to pass on to you....

Successful budgeting takes time and persistence, so don't be discouraged if you don't hit your monthly goals at first. Here are some ideas to make it easier:
Write it down. If you don't, you probably won't stick to it.
When good fortune comes your way in the form of an "extra" paycheck or a bonus, pay an annual premium, make an additional mortgage payment or use it for seasonal extras, such as summer vacation costs or Christmas presents. (See "What to do with 'extra' paychecks.")
If you can't spend less, earn more. (See "20 ways to make an extra $100 a month" and "Empty your closets, fill your pockets.")
Get into the habit of thinking ahead. If you know your situation is going to change -- a new baby, new winter clothes, a new job -- plan for it and try to pay cash.
Remember, budgeting is the means, not the end. Keep spending "mistakes" in perspective.
As your income climbs, don't splurge until you're sure you're staying ahead of inflation. A good budget grows with you, so it's worth re-evaluating your budget every year.-msn