Tip 1

Do not blame and argue with other people in your family. (You probably all have spent money unwisely) Choose solutions.....not blaming!

Tip 2

Actually sit down and develop a workable budget. This is formost in managing your finances. (Some people have no idea how much is coming in...compared to how much is going out!) It may be scary...but it's the only way to take control!

Tip 3

Be honest with your kids. Teach them about the family finances. (How much does it actually cost to live month per month) And yes, say no to your kid's frivolous requests for money. This can be the most important lesson they learn! (They don't learn this in school)

Tip 4

Replace "spendy" entertainment with activities which are free, or budget friendly. You will be amazed at how this can be a great time to really come together as a family. The most important gifts in life are free!

Tip 5

Truly enjoy the freedom you will experience, when you decide to get honest, and quit living beyond your means! It is an awesome feeling! No more guilt, hiding reciepts, or stressing about paying unrealistic bills. You will have new fresh positive energy!