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For those who can’t seem to get a handle on their finances, budget help is available both on line and from a variety of social services. Many of these services - both on and off line - are free of charge. As a part of their credit counseling service, counselors who assist with repayment plans also give budget help.
A Google search for “social services money management” turned up free one-on-one budget help from County and State social services offices, as well as from church groups.
Sitting down with a person who understands financial strains and can help lead you through the process of setting up and sticking with a budget is probably more beneficial than getting budget help on line.
However, if such help isn’t available close by, or if you’re the kind of person who prefers to keep your private finances private, you can find help on line. A search for “budget help” revealed numerous sources of information and forms to help with money management.
For most people, sticking to a budget means cutting costs. Toward this purpose, several on line sites and social networking forums offer cost-saving coupons and tips for doing more with less. Some offer free samples and coupons that can save on expenses while also injecting a little fun into saving money.Those who can turn saving money and sticking to a budget into a challenging game are apt to be far more successful than those who see it as a sort of punishment or a deprivation.