Saturday, August 11, 2012

Stay At Home Moms And Credit Card Debt Managing Family Finances

Get Big Benefits from Your Business Credit Card by Lisa Nichols,abercrombie fitch

Lisa Nichols is a freelance writer,abercrombie et fitch, website content strategist and marketing and PR strategy consultant. Originally from Eugene, Oregon, Lisa is currently based in Covington,Robe De Mariee, Kentucky (also known as greater Cincinnati, Ohio).

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Learn about the connections between stay at home moms and credit card debt. Managing family finances can be tricky so simplify with these easy tips.

Stay at Home Moms and Credit Card Debt: Managing Family Finances by Lisa Nichols
1888 Articles Home | Finance Articles Finance RSS Stay at Home Moms and Credit Card Debt: Managing Family Finances Author: Lisa Nichols Article Tools: Managing family finances and reducing credit card debt is a big job for a stay at home mom. Between carpools, after school activities and trying to run a household successfully,abercrombie pac cher, it can be easy to let financial management responsibilities slide. Stay at home moms benefit from creating a budget, saving for retirement and reducing credit card debt.

Start Managing Family Finances by Creating a Budget

Create a budget to begin managing family finances. Half the income generated by your significant other should pay for your living expenses. About 10-15 percent of your family?s income should go to recreational activities. Manage the remaining family finances to pay for short-term and long-term savings goals, like starting a new business or planning for retirement.

Saving for Retirement Made Easy for a Stay at Home Mom

Saving for retirement doesn?t have to be difficult for a stay at home mom. Creating a plan for retirement is a necessary part of managing family finances. If there is still a 401(k) plan resting with an ex-employer,ralph lauren pas cher, roll the money you?re saving for retirement to an IRA. This way, you can still contribute to your retirement plan, and the money in your account will continue to grow.

IRAs are set up in a way that?s similar to 401(k) plans. You can choose from ultra-conservative or riskier plans to save for your retirement and the money isn?t easily accessible for everyday expenses,abercrombie, making it easier to save.

Managing Household Finances and Reducing High Interest Debt

Manage household finances and reduce high interest debt with a low interest credit card . A stay at home mom can decrease credit card debt by staying within her budget and eliminating unnecessary expenditures. Effective time management is easier to achieve when trips are combined. Keeping coupons in the car means they?ll always be available when you drive to the grocery store. A rewards credit card that provides extra rewards for grocery shopping can also help tip the scales in favor of the household budget.
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