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Gays and Lesbians have the assumption that they have more discretionary income than many straight families.?? Marketers tend to send a lot of ads our way that involve lots of spending on things we really do not need.?? This is why we need to look into setting a budget and watching things we spend money on for our family at home or just for ourselves.
Setting a household budget for a gay family is all about setting financial priorities and making sound decisions about spending.?? If you are trying to save for a vacation or retirement, or just looking for a way to free up more cash, setting a budget is the way to do it.
To set a budget for your household, the first to do is to calculate total monthly income.?? When you think about income, only consider regular, reliable sources of income such as your job, child support, or alimony.?? Since you cana€?t be certain of variable sources of income from one month to the next, it is best not to include them.
Next, determine the total amount of monthly expenses.?? When you set a budget for your household, you must take into account the financial needs of each household member.?? Consider the expenses that are necessary to for survival like rent, utilities, transportation, and food as well as fees for the childrena€?s school and extra-curricular activities.?? Write down each of these expenses and the associated monthly cost.?? Then total them up.
Subtract the total household expenses from the total income to determine how much money will be left over after all the bills have been paid.?? If the result is a positive number, thata€?s good.?? You have enough room to save money or take a vacation.?? If your result was a negative number, dona€?t fret, there may be room for adjustment.
Take a look at your itemized list of expenses and decide if each item is a required or optional expense.?? For each of the items you listed, ask yourself, a€?What will happen if this expense is not paid?a€??? Many of the items will have an obvious answer.?? If you dona€?t pay your rent or mortgage, you will likely be evicted or foreclosed.?? If you dona€?t pay your utility bill, the service will be disconnected.?? Denote all your required expenses.
Your list of expenses might include some luxuries that are disguised as a necessary expense.?? Do you have cable television??? This is an optional expense that can be eliminated free up cash in your budget.?? Cutting off your cable television can save hundreds of dollars a year.?? You can make tradeoffs so that you dona€?t completely cut out home entertainment.?? For example, if you cancel your cable television, you can sign up for an online movie rental service.?? Youa€?d be surprised at all the little ways you can free up more cash in your budget through a close examination of your spending.
Do you really need that Gucci Handbag?
Do you really need to eat out every night?
Do you really need an iPhone that costs $600 when you can get a touch screen Palm Treo for $199?
Another thing to look at is how much you are spending on your credit card payments.?? You may look into consolidating all of your bills into one which in some cases decreases your interest.
Learn ways to organize and spend your money more wisely.?? This will make your money go further and make the gay household much happier in the long run.