Budget - Education and Planning

All your financial goals will be unreachable unless you first live within your means. An effective Spending Plan, or Budget, is a critical tool for creating and maintaining your financial health.

Our counselors can help you understand your options and plan for the future in order to reach your financial goals. Call 888-995-7856 for a free consultation or complete our online Financial Review and a counselor will examine the information and contact you.



Why Budget?
Planning is everything! And, in today’s world, achieving success without up-front planning is rare—very rare. Achieving success with your personal finances is no different. While some manage to sneak by for months without sound planning and budgeting, their failure to plan inevitably comes back to bite them where it hurts—the pocket book. So why budget? Plain and simple, your financial wellness depends on it.
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The Spending Plan - Introduction
A complete budgeting packet: important facts, clear worksheets, and simple step-by-step directions for creating a successful spending plan.The complete document is only available in the PDF file, because it contains worksheets. The PDF can be found here.
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Budget Calculator
To see how your monthly financial activity adds up, use the link below to open the budget calculator page. Click the Expenses button to fill in your expenses, then do the same for Income. Click Calculate and the calculator will show you the amount you are expected to save or lose each month.
 
More With Less
Five key strategies with dozens of suggestions for dealing with reduced income.
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66 Ways to Save Money
There are many ways to save money across all categories of expenses.Here are 66 ways involving common expenses such as transportation,insurance, banking, housing, utilities, food and drugs.

This information was developed and published by the Federal Trade Commission.
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Checks Have Changed: Living With Check 21
Check management tips in light of the recent law allowing your checks to be replaced with electronic copies. Checks will clear faster, so there is less "float."
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Tax Time Topics
Enlightening information on taxes, ways to minimize the burden, and where to get help.

[NOT LEGAL OR TAX ADVICE: Alliance provides general information, but does not provide legal or tax advice.  If legal or tax advice is needed, seek assistance from an attorney or tax professional.]
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