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As with anything, you need to have a grasp on the basics before you graduate to advanced options. Creating a budget and understanding the basic aspects of money will help you to plan for a bright financial future.

	High Energy Costs: What You Can Do - Don't let high energy costs leave you out in the cold.

	Click here to download Budgeting sheets.

	Click here to download Journalizing sheets.

	Dealing With a Loss of Income Due to Divorce or Death - Getting divorced or experiencing a death in your family are two of life's most difficult financial challenges. Here is some information that may help.

	Learning to Live on One Income and Stay Home With the Kids - It's not easy, but it can be done. Read on for more.

	Check 21 - Say Goodbye to Cancelled Checks.

	Utility Budget Plans - How to avoid getting large utility bills.

	Financial Tips for Couples - Financial issues consistently rank in the top three reasons for problems in our relationships. Here are some common sense pointers to help you avoid them.

	Living with an Uneven Income: Budgeting Tips for Temporary, Seasonal, and Commission Workers - Are you finding it difficult to handle a slow month? Read on and make things a bit easier.

	Life Insurance Basics

	Where Do Our Taxes Go? - We see the money disappear from our paycheck every week. Where is it now?

	How to Deal with Layoffs and Income Reductions - Laid off? Overtime cut? Here are some tips to help you weather the storm.

	Creating a Budget - Get control of your money step by step.

	Debt-to-Income Ratio - Find out why making your payments does not always guarantee good credit.

	Living Within Your Means - Tired of living paycheck to paycheck? Here is a way to actually SAVE money!

	Money for Singles - A must read for singles of all ages.

	Advice for consumers who didn't need creditor concessions through a DMP - Create a plan.

	Holiday Spending Tips - Strategies on how to manage your holiday spending.

	Holiday Budget - Useful budget sheet for holiday spending.

	Investing and Saving Basics - Understanding the basics of saving for a brighter tomorrow..





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