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Managing Money

Managing Money

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Managing Money!

Managing money is an important life skill. How is your money managed? The answer will vary, and there are many great ways to handle your money depending on your situation. However you do it, managing your money, is the critical part.

I read an article stating that close to half of Americans spend more than their monthly income. It doesn’t take a mathematician to recognize that expenses accrued after a depleted paycheck then goes on a credit card. This, in turn, creates a debt spiral with interest and the inability to pay off the credit card. As a result, stress levels are maximized putting a strain on our work environment and your families.

Taking Control

If you earn money, you need to find a way to manage it. Whether you fall under the criteria of spending too much or not, we all benefit from scrutinizing how we handle our money. Here are some ways to start managing money today!

  1. Make a list of all your needed expenses (home, food, car, education loans, medical, etc.) and deduct those from your paycheck. Look at how much money all of that requires. Writing it down or putting it in a spreadsheet can be an eye-opening experience.
  2. Now list all your non-necessary expenses (pedicures, 16th purse, the 3rd pair of golf shoes, eating out) and see which of these items you could scale back.
  3. Set a goal to put a set amount of money into savings each month. Even if it’s a small amount, you will rest easy knowing that you are putting something into savings.
  4. Reward yourself! Once you set a money goal and reach it; reward yourself some way. Treat yourself to a pedicure, golf game or eating out. Just make sure you don’t blow all the money you worked hard to save on this reward. Then set a new goal and work towards it, etc.

Fixing our financial stress is all about changing the way we think. Focus on needs versus wants. We should train our brains to want more in savings than another designer handbag. You never know when your savings will need to cover a water heater and two new air conditioning units within a month of each other. Don’t let overspending control you anymore. Take the necessary steps today to get control and start managing money.

About Balance & Harmony 360², Inc.

Owned and operated by Melinda Smith, CPO®, we offer Business Training & Consulting with a Twist! Our sweet spot is working with Entrepreneur’s and their companies to create a productive work environment, happy home, and prosperous you! Our passion is listening to clients goals, thinking through solutions and coming up with creative 360² action plans that address work, home, and you! Love Going to Work Again! Increase Time with Your Family! Get Things Done! Our process is simple and geared toward the professional. You CAN get your LIFE back in BALANCE!

AUTHOR, TRAINER, LIFE ORGANIZER®

Melinda Smith, CPO® organizes and executes action plans, training, and consulting. Great referrals are business owners, executives, and companies looking for a long-term sustainable change. Above all, she can help create a more productive work, a happy home, and a prosperous you.

Particularly relevant is the fact that Melinda has worked with companies and individuals for over 20 years. Conducting workshops across the East Coast, they include over 60 cities in 19 states. Equally, essential focus topics include Strategic Thinking, Teambuilding, and Organization. As well as Balance Strategies, Stress Management, and Embracing Change.

After all, Melinda was one of the first 200 in the nation to achieve a Certified Professional Organizer status. Also, she is also a graduate of the Western School of Feng Shui (pronounced feng shway).

Melinda has owned Balance & Harmony 360², Inc., since 2003. She is also the author of The Complete Guide for Balance & Harmony OWL Kit. Also, this kit consists of a book, workbook, and F.O.C.U.S. Journal as well as five products to help organize Work, Home, and You.

Check out more about Balance & Harmony 360² at

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