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Figuring Your Expenses
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     You may find that at the end of each month you just don't have much money, if any, left over.  Many of us stop and ask, "Where does all the money go?"  This is a common question for many people and what you need to do is sit down and really look at your expenses.  When you do this you might be shocked to see where all your money is going.  When you sit down with all of your bills you should group your expenses into three different categories.







1.Fixed expenses. 
Fixed expenses are those that do not change from month to month, such as your mortgage.  There are probably very few fixed expenses in your life, but you should be sure to work these numbers into your overall budget.

2.Flexible expenses. 
These expenses are things that are needed but may vary from month to month.  These expenses usually include items such as gas, groceries, electric bills, and gas bills.  These are all items that you need, but depending upon the weather, work, etc, you may find that they vary from month to month.

3.Optional expenses. 
These are those stops at the coffee shop, travel expenses, shopping with friends, and lunches and dinners out.  You may be shocked to find that your optional expenses meet or exceed the other expenses that are a necessary part of your budget.

When you look at all of these different types of expenses you can then look at what your budget is and see where you can cut corners.  Chances are that you can find ways to save on groceries and you can definitely find ways to cut back on your optional expenses.  When you put all of these numbers on paper it can be a real eye opener and suddenly you will find that it is a lot easier to create and maintain a budget, leaving you with a bit more money in the bank at the end of each month!

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Disclaimer: This site is not , nor should it be taken to be, legal, financial or other professional advice. It merely provides a generalized guidance and generalized information only. Consult a financial advisor or an attorney to discuss any legal or financial issues involved with credit and debt decisions.
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