Posted on April 7, 2009 at 12:26 am hey guys i know that in times like this fwe have to tighten our budget especially on things that are really not that important..on this regard i like to share with you some tips on how to budget our money wisely:1. first and foremost you must be able to know the difference between wants and need, since its the guiding factor for us to eb able to be successful in budgeting our money.2. after identifying we must lists all our needs and wants and try select what is important.In my case /opinion my needs are just only  four..namely food , shelter,education  and clothing..all those categories that don't fall on this.. then it must be scrape out..since i presume that all of you guys have shelter then maybe we can focus on just the three needs .

Posted on April 7, 2009 at 2:52 am great tip, i know it all, the deference between need and want, thank you for this nice information

Posted on April 7, 2009 at 3:50 am Yes theses aren't really groundbreaking tips, but still very important.  If you look through the forum advice like this is going around and around..

Posted on April 7, 2009 at 9:01 am Necessities of life are unavoidable! These are the first focus!

Posted on April 7, 2009 at 9:31 am i'm very interested about your tips. thanks for nice tips!

Posted on April 7, 2009 at 9:36 am Hi,thank you for your tips.food, shelter, water, electricity are my priorities every month

Posted on April 7, 2009 at 10:17 am I agree, it is very important to be able to differentiate what things you actually need, and what things you want. That's why I think it is really important to have a budget. You can pay for all the needs, and then see what you have left over for the wants.

Posted on April 7, 2009 at 11:11 am thanks for the tip, they are really useful

Posted on April 7, 2009 at 11:29 am Living within your means is very important right now, however, it seems a lot of people have trouble doing so. Personally, I just don't get it. Is making sure you have a satellite dish worth stressing over if you're going to make the gas bill? Make a list of needs and wants, that's good but sometimes even that won't cut it if you're really strapped. Beyond that, you need to prioritize. What bills have to be paid NOW and what bills can wait a little bit longer. If your electric is up for disconnect, then obviously it's time to pay that bill. But if Gas is only a week late, and something more pressing, such as the electric disconnect occurs, then Gas needs to be set aside.It's also important to know where you can go to get assistance, and to not be too proud to take the help. We're all dealing with financial struggles, there is no shame in saying "hey I could use a little help."

Posted on April 8, 2009 at 6:33 am Sorry, i don't knoow meaning of that word