COUNTING YOUR PENNIES

        Take nothing for granted. Cents add up to dimes. Dimes and nickels add up to quarters. Quarters add up to dollars and dollars add up period! Take charge of every financial decision in your life. Take charge of your future. 

CREATING A MONTHLY BUDGET

          Having a monthly budget is a smart way to manage your bills, adapt responsible behavior and also promote good credit. If you know how much your monthly expenses will be, then you know how much you are able to save. Saving brings you closer to obtaining your financial goals. Unexpected bills can always show up, but if there is a budget, the stress of handling them won't be as high. When you are a single parent, it helps to have the less amount of stress possible.  Planning ahead is a wonderful way of keeping stress at a minimum. As you plan for your monthly expenses, put something extra aside for unexpected events.