Welcome To Genius Mom

Living as modern moms in today's fast changing world require ever expanding horizon and perspective.

Today's Moms are faced with many challenges from managing household issues, financial decisions, parenting, to preparing proper nutrition for the whole family.

This blog is dedicated to every hard working, creative, problem solver, smart, and genius Mom in the world.

Living to make their families happier with a long term vision of building a beautiful legacy to the next generation
To become the Best Mom in the world doesn't always require you to spend lots of money.

All you need to do is simply investing more love and care to your loved ones.

In addition to that all you need to become the smart parent are proper guidance and resources to help you determine which decisions to take.

We at Genius Mom are glad to help you by providing high quality information to aid you in the journey of becoming the Best Mom for your family.

So please enjoy your time and visit...

The Art-Based Programs

Many independent researchers have proved in their studies that the art based activities are the best way to get the child busy and keep them away from the delinquencies.

It develops the interpersonal, social and the cognitive skills of the children, as well as it play an important role in forming the positive behavior of the children. By taking part in such art based programs one can groom himself/herself and boost up his/her self-esteem.
The art activities, designed their tasks in such a manner that with it one can learn the complex mathematical and language symbols. It develops the understanding, communication and interpretational power in the children.

Art programs target the versatile and different skills to make the analytical, evaluation and synthetic skills better.
The core benefits from the art based activities are judgment, imagination and the philosophy. The duration of art class is not confined to the class timings of 45 minuets only.

Extra time after the school timings can be spent in doing the activity and it keep the children more involved. It ensures the latent capabilities in the children and provides the satisfactory results.

Children show the high achievements in their work. They learn that by practicing they can show the excellent results.
In order to develop the emotions in the shy child, drama, theaters and speech will be best options. Drama allows the children to keep him/her at the place of other person.

Memorizing the script and portray the emotions from his/her acting. That is the main reason dramas are much famous in the art based activities and mostly adopted.

Tips To Cut Down Your Food Expenses

If you are looking for the tips to cut down your food expenses then this article will provide you with appropriate tips to cut down your expenses on food.

For bread lovers:
You can get the bread from grocery store which was made the day before at a lower price. So you can buy them and store it in your refrigerator for further use and heat it in your microwave before eating.

When buying from the grocery:
Prepare a list of the things that you want to buy before going to the grocery store.

Prioritize your list and cut down the extra things that are not necessary to buy. Read the price mentioned on the goods before buying them.

Avoid buying branded goods because they cost more than the store brand. Don’t discard the list of your previously purchased things because it can be used as a basis for your purchase on your next trip. Try to purchase as much necessary things as you can so it will save the expense of your next trip.

When eating outside:
If you are planning to go to a pricey restaurant then its better to go during lunch time. As it cost less during that time and this will help in reducing your expense.

Stay in a hotel that includes breakfast along with your total room charges. Carry some snacks with you when you are visiting places. Find places where you can eat good food at low prices for this you can consult with the locals also.

For coffee drinkers:
You can reuse the grounded coffee for at least one more time. This will not affect the taste of your coffee and it is better to use a filter that is permanent avoid using the paper variety. Refrigerate your grounded coffee until reused.

After School Programs At Home

What will you do if the school of your child does not offer any extracurricular activities? Are you worried that your child will be deprived from attaining extra knowledge and fun unlike other children?
After school activities must be given in an environment which is just like school. Professional teachers in an organized and structured setting should be the part of atmosphere.

You can also work for the child’s physical, academic and social development by planning for them some activities at home rather then sending them to the school in their busy schedule.

The first priority is no doubt the school and homework. The children have to go to the school and then have to finish their homework. After that they must be enrolled for reading and writing work, it will take 1 to 2 hours a day.

If your child has developed some academic interest, enrolled him/her in it and motivate them in performing that activities. This is the age of internet, let your child to surf on internet and find out the in depth knowledge. For this the children do not require to get enrolled in any formal program.

If you are afraid that your child will be away from the social life, then enroll him/her in the club. You can take your child to the libraries or theaters if he/she has interest in it. It is not necessary to make friends of same age. 

You can take the child to the parent-child book club; there he/she will find opportunity to get mingled with other parents and children. If you have that eager to make the child learn with the fun, you can begin the after school program yourself.

When there are no structured activities, you can go for the community service. Children love to serve for the society and love to solve social problems. They gather funds, do charity and help the community. The cleaning up session of park will be eye opening for the child and will teach him/her priceless lesson.

If you feel that your child must encounter with the physical activities, you can enrolled them in the dancing class or may be the gym. They can find new friends there.

You can make your child to perform different recreational programs without letting them enrolled in the structured after school program. You can ask them to participate in the different household activities like cleaning; cooking etc. this will let your child to spend more time with family and keep him/her away from criminal acts.

Determine The Right Time And Place For Your Investment

Investment depends on lots of factors and these factors determine where and when the right time is and place for these investment. As there are different types and areas where we can invest.


The first step that any investment depends is research. By doing research and analyzing different types of investments determines where you can actually invest and will also show how much risk you can afford to take while investing. This also determines how much you are willing to take forward your financial goals.

Investment is an ongoing learning process. As you get experience you go further up in this field.

We can take an example of buying a car, when we buy a car we do our best research on every aspect, like what's the company's history is and what's the performance, what's the mileage and of course looks. Then you also do a test drive of the car to fully sure before finally buying it.

So this is how exactly investment works. You have to do your full research on where you invest and how much can you afford to invest on the first time. Take lessons from the past investors and how they invested in different areas will help to achieve the goals. So it's an ongoing learning process.

To get the strong grip on getting the knowledge about the stock market investment is a long process, but as you spend more and more time on research about the stock market investment you get better and achieve more.

Internet has open doors for the first time investors in this market. You can access to the sites where you can play with the free money and use your initial knowledge into test by investing. Also there are books available in the market that helps too, as well there is lot of help available online and you can join a college and get proper high level education about investment

Discussing internet more in detail you can log on to some websites and do a fake investment and see where you can end up. All we have to do is use some search engines and type for ‘Stock Market Games’ or ‘Stock Market Simulations.’ This can be the first step in learning and help and guide you how to invest and where to invest. It gives you a great start in learning about stock market.

There are other ways where you can invest but those investments have to be learned in different way. It’s mostly by reading about them more and more. As stock market has lots of research work available, other investments has to be learned by just reading.

If you want to be a successful investor then it's important to learn about anything that relates to investment. 

Try to get as much research material as you can. Internet is the best source present at the moment where you can get all the help and support that you need to be a potential successful investor. Apart from internet there are books available as well that also plays a very significant role in helping to learn.

There are lots of successful investors who have written about their achievements as when they begin their first investment. So it's important to know inside and outside of the investment market otherwise it can take you to complete failure in life.

Stock Market Probability: Using Statistics to Predict and Optimize Investment Outcomes, Revised Edition 

There is another way that you can learn and also get the best knowledge for your investment is taking the help of a financial advisor. 

As this is their field and they deal with it every day so they are the best people to get help from. They will you to find out how much and where to spend in the current climate of the market.

Their suggestions can help you to achieve your goals and you can also get yourself trained to how you can invest if you have to do it yourself without anyone's help in a future. So its curtail to know what they say by giving your full concentration and this will lead to help you in getting your goals.

After School: Safety Way To The Home

Parents enrolled their children in the after school activities and take it for granted that the children is absolutely safe. They never bother to ask about the number of children already being enrolled there.

Increasing number of children have make it necessary for the parents to take special consideration about their child’s safety before letting him/her in.

After the classes, children use to roam outside with the friends. Some time the create difficulties by making themselves stuck in problems waiting for them outside.

So you should teach your children to adopt the safest route to the home after attending the class. You should also tell them about the dangerous situation that may happen.

Educate the child by letting them know what they should do in the case of emergencies. Portray different scenarios in front of them and also tell them that what they should do in that case.

Give them the emergency numbers to contact at. Even tell them the addresses near their school place. So, that they can reach there in case of emergency. Also tell them to use the safety chain always.

You should ask your children to relay on neighbors and friends. Do not walk to home alone. Always remain with in the group and do not go any where alone. Always choose the crowded way to make the way to home, instead of the isolated streets.

Save Money By Using Modern Ways

Saving money is a great thing. Peoples who believe in the power of saving money try to save money as much as they can so that they can have a better future.

Some people say that saving money is no longer a way of life but it has now become a resolution to which they have to strictly adhere.

Some people say that it is no longer possible to save money because they are already living hand to mouth.

We can save money by applying some of the modern ways that are mentioned below:

Save some percentage of your salary:

Try to save some of the amount from your salary and save them in to your savings account. These small contributions from your salary every month will help you in saving a large amount for your future.

Pay everything in cash:

Most people use credit cards for purchasing but this is now becoming a problem because people keep on spending money without keeping an eye on their expenses. Statistics show that average family has an outstanding balance of $7000 on their credit cards.

Set goals:

Set your goals that how much money you will save every month and remain stick to it so that you can achieve your goal.

Check your company’s retirement plans:

Companies offer certain plans that help you in saving money for your future like they deduct some money from your salary and invest it in your choice of plans.



Disciplined Environment In After School Activities

Children are sent in the programs which are usually for the recreations and learning. But does it necessary to follow the discipline in such recreational activities?

The answer is yes, because children do whatever they learn from their environment. So there should be properly disciplined environment to be followed. It will give an additional knowledge about maintaining the discipline in their daily life.
Every activity must have some rules and regulations to be followed. The management keep an eye on children’s behavior and must address misbehavior shown by any child.

Misbehavior must be dealt in a manner that will cause the least disruption. Once the misbehavior is neglected, all children will start doing that. So it is better to stop it and keep the children with in the boundaries of disciplines and rules, as set by the management.

If this would not be done than it would become rather impossible to stop every child at the end.

Usually children misbehave because they want extra attention on them.

Try to talk with the child and figure it out, what is his/her want and the facilitator must fulfill correct the demand of that child. If the child’s attitude is just because of his bad behavior, take strict actions to stop him/her.

Different Categories of After School Programs

With the growing child you have to put his/her desires on the right track. If the child is too much restless and even making your life restless from their untiring wish list, the time is to find out the after school program for him/her.

These programs have been divided in to three categories. These are:

1.    Educational program
2.    Recreational program
3.    Society oriented programs.

Society oriented programs usually come in to the consideration, when child is mature enough and demanding. If he/she is interested in doing such activities make them enrolled.

1.    Educational programs:

Educational activities are targeting the memory of your children. They further provide knowledge to your children and also teach them techniques that will beneficial for improving their memory. Intensive memory training and speed mathematics programs are examples of educational programs.

Also the academic programs like helping the child in doing homework and also giving them additional on particular subject is part of educational programs. These programs are better over the games, fun and also satisfy the parents by providing the child extra knowledge and helping them in finishing the homework assigned.

2.    Recreation programs:

These activities include the games and sports, painting and fine arts etc. the target of these activities is to refresh the mind of the child and make them enjoy the world. Competitions, sports event and stage performances are arranged to motivate the child. Of course as the child go in the higher classes, the curricular becomes difficult for them.

If we compare the above two mentioned programs, the recreational programs are more beneficial. The first benefit with the recreational activities is, they are not like the educational one who targets to give the child knowledge in the same atmosphere from where he/he has come.

They are not also boring like education programs. Further more they offer must interesting programs that are orthodox. It gives them more to do and to get their mind out from frustration.

Recreational activities also provide an option to get away from the learning and boredom. They make use of child’s mental and physical abilities and make them feel pleasant and delightful. Through performing group activities, child learns the social skills, patience and discipline.

Children need some time in utilizing their physical abilities. That is why these activities provide them opportunity and release their mental pressure caused because of overburden of studies. These children have shown better results in their academic work.

But make sure that whatever the program you have chosen, your children is attaining knowledge from it. If he/she is not getting something out of it shift them to other options. Child must also be given freedom to select his/her desired activity when he/she wants to change the current program. Usually the beneficial program is amalgamation of both the recreational and the educational programs. By this way the child learn and play at the same time.

Determine Your Risk Taking Ability

A broker know where and when to invest in a stock market. For someone who is investing for the first time it's better to take help from a broker because he can judge your risk taking ability and then also make you aware about what is your risk taking ability is. It is there job to find investments for you is under your risk forbearance.
In order to find out how much someone is willing to take a risk involves following steps. First is to figure out how much money are you willing to invest and what kind of a goal are you aiming to achieve.

If you are in an age where you  might feel you will retire in 10 years time and at the same time you haven't saved any money then what's better for you is to take high risk tolerance, for that you have to do some risky and heavy investment to fulfil your goals before you retire.


But on the opposite side if  you are young and if you are planning to safe for your retirement age then the best thing for you is to take a low risk tolerance in order to achieve your goals. Even though the growth of the money will be slow but at least it will be coming and there will be less risk involved.

Risk depends on your circumstances and not how you feel about risk. There are lots of things to understand in order to determine your risk taking ability.

Let's take an example of a stock exchange market . How would you react if you have done an investment in it. and you keep an eye on the stocks position every day and realized that the price of the stock has gone down. So would you react in this situation.

If you have a low risk tolerance then you choice would be to sell the stocks but if you have a high level tolerance then you would keep the stocks and wait to see where it takes you. so your tolerance depends on your feelings for your money.

Your financial goals determines your risk taking ability and also how you feel about your money . But the best thing is again if you want to invest then its essential to get help from a stock broker or from a financial planner.

After School Program For The ADHD Victims

Attention deficit and hyperactivity disorder AFHD is a disorder in the children who have attention deficiency are they remain too much busy in activities.

Parents could not give them time because of their tight schedule and they feel deprived and also their minds are sick from performing the same work again and again.

So keeping such children at the after school programs is nearly impossible.
First of all you should try to find out that how much your child has tendency towards ADHD. Try to find out the interest of your child.

Find out that what things are depressing him/her. Are he/she afraid from the competitive environment and face problem to get mingle along with others?

If your child has ADH, then in such case physical activities are valuable. Exercise will utilize the energy and also stimulates his/her brain. In order to teach him/her social skills and disciplines, ask them to work in group.

But, if he/she is too much shy, than find out individual activities like cycling, gymnastic, dancing or swimming. Martial arts would also be beneficial, it will not only teach him/her techniques for the self-defense but also make him/her calm, self controlling and patience.

If your children do not want to be enrolled in the sport based activities and shows interest in the fine arts, than go for it. It will also be better in making the mind exercise. Acting classes will make your child more social and confident. Dancing and music will keep him/her bus and also entertained him/her.

If the child will show no interest in such activities than you may register their name in boy scouts or girl guides or other community based activities. You may ask them to pick the garbage from the parks and make the city clean, help old person in old age homes. This might create the interest of child.

Whatsoever the activity you have selected for the child, you must evaluate the child’s progress by doing that tasks. If there is no progress, change the activity. Also you can interact with the coach or teacher to ask about the development of the child and do anything that will boost up his/her morale and self-esteem.

Some activities are harmful for ADHD victims. Computers and video games are one of them. They let the child to play the game in the isolation and will not let him understand the difference between good and bad. It also checks the patience of the child for long time when he/she has to wait for his/her turn. But do not have any benefit.

Also you want your child with the world and want them to be social. Find out that after school activities that will fulfill their wants and desires. Activities must be interesting for them and must be challenging as well.

Long Term Financing Goals

Money is essential part of one’s life and it cannot be underestimated. According to the recent survey in America, 96% people agreed from saving they can achieve the stable life.
Saving can save from the adverse affects of health and natural diseases. But however, today’s generation do not believe in long term financing.

They feel happy in buying the signature shoes or new Jet Ski or a branded car from the savings. But by the time they mature, they start realizing the importance of money and after that they usually keep their personal saving accounts.

Long term financing goals means that for the longer period of time the savings are invested and maintained in that project or account religiously.

This article will put light on the reason for savings. This would be beneficial for the starters to save money and make their future secure eventually. Following points will give you motive to save the money.

1.    Saving for your Future and Present Needs:

What ever you will save today will provide you secure financial future. You should at least try to save 20% of your earning and remaining 80% in fulfilling the household needs. The small portion of income saved today, will become a big portion for secure and stable future.

2.    Saving for an Investment Need:

You can also use the saving for opening a new business enterprise in near future. It will give you chance to explore your talent and thus utilize it in earning more from doing the business ventures.

3.    Saving for your Retirement:

In the retirement age if you have not gathered the money for your peaceful retirement, you will have to spend your life by earning the money to satisfy your basic needs. Almost 23% of people today are doing the same for spending the retire life. One who had already saved and secured their future expenses, are enjoying the peaceful life.

Keys to Fulfilling your Saving Goals:

No matter what so ever the purpose and intention of saving is, but the goals and aims of saving must satisfy these two points.

1.    Attainability:

Attainability means that the set goals can be achieved and they can be attained without doing any illegal and extraordinary work. The key is to save patiently and work hard to earn more.

2.    Consistency:

You must be constituently changing the goals to be achieved. As the time passes the requirements change. So change you goals too.

After School Activities To Burn The Extra Fats

It has been proved from many studies and researches that the children are becoming fater and fater day by day.

Every parents want that their children eat in the limit and thus control their weight. But it becomes almost impossible to say no when children pester for the food.

What can be the possible solution, in order to keep away the children from eating all the time? It has been found that the children are used to sit in front of their TV sets and use to munch there.

Junk food is not the major reason, but basically just eating all the time is the main problem. This habit can be changed; if parents will switch the TV sets off and divert the attention of children in those activities where they can move there bodies more.

Also some recreational activities after the school timings will make the children more active and away to get more fats.

The more the weight gained by the children will be more difficult to be loosed, so it is better to start such activities as soon as possible. These activities can be swimming, football, skating or karate. This activities must be performed in the formal and structure environment.

So after the school timings the children must be send at those places, if you really want your child to burn the extra fats.

Extra Curricular Activities And The Interaction

The activities planned for the children after school are very important.

Approximately $500 millions are invested in such activities which are intended to welcome more than 10 million children in America.

Every person understand the importance of such activities and know that it is crucial for developing the new skills, attain more knowledge and also keep the children busy when parents are in their work places.

In making any program successful, the interaction between the children and the adults who are closely working with the children during the program is very necessary.

This relationship building is very essential because it will ensure that the child has assailed their current emotions to the adult member, which is not a teacher.

As the adultery people are not the teacher and they work to educate the children in the friendly environment. They are the mentors and become the inspiration for the children.

With their experience and knowledge they try to dig out the hidden abilities in the children and thus by polishing that skill makes them the champions. They have experience working with the different types of children, they know the children’s psychology and thus become an inspirational personality.

These professional adults are experts of their field and work with the children to make them motivated and enthusiastic. They want children to be more successful. The interaction between the children and adults will make the learning experience easier.

Selecting A Broker

Brokers plays an important role in helping an investor dealing with its stock exchange investment. They are the employees of the brokerage houses and have the full knowledge of when and where to buy and sell stocks on the stock exchange.

If  you don't have a broker then it will be hard for you to sell and buy your stocks. So he is important for an investor.

Education in any field is very important , same as in stock exchange business the broker needs have the full knowledge about this business. He has to clear up two very important tests to get his licence.

These tests are quite tuff but they have to be given but most brokers do have a education back background in finance or business with the degrees on them.

Now there is a difference between a stock broker and a stock analyst which is important to know if you are an investor. The role of the analyst is to give you information  about how the stocks will execute and it's also gives you the prediction of the stocks. But the broker is actually your employee that acts according to your orders. he is just there to buy and sell stocks for you.

The way broker makes their money is by having the commission on every sale made. when they buy or sell a stock for you they earn certain percentage on every sale made. some brokers have a set percentage fee.

Choosing a broker depends on the choice of the investor. As the brokers are of two types , first is called service broker and the second one is called discount broker. 

The service brokers offers more services and investments. They also provide with the suggestions in how to and when to invest. They get paid through the commission they get on every sale. The discount  brokers are the ones who don't offer and advice and do not do any research. They only follow your instructions  and only stick to what have to do. So it's a decision that you have to make to go for the one that suits you.

These brokers can be chosen depending on what exactly you need from them and what service can they provide you. If you are new to this business and doesn't have that much of awareness then it's better to go for a full service broker. He can help you in getting started on the right track and offer his experience and advice. but if you are aware of the prospects involves in this business and have experience then all you need is a discount broker.

Extra Curricular Activities And Burnout

Days for the parents start from dropping the children to the school and it ends at the night. After school timings parents have other responsibilities to perform like they have to play with the children, making them eat and many more. Parents have to face hard time just to delight their children.

After school is not baby-sitting:

Extra curricular activities arranged by the school for the children, wants parents involvement too. In games, painting competition, annual day etc parents are there to cheer up and motivate their children as an audience.

Research and choose:

Parents do not have time for ease. They have to work hard and find out the activities that will fascinate their children. They also need to make their contribution in making the children happy.

Free time:

Children have their other set of activities to perform. They spend their time in attending the piano class or going to learn ballet or going with friends to play games, before the bed time. So, it is parent’s responsibility that they should not be strict with their children.

When to quit:

More often parents want their children to be more participative in those activities which make their child a genius. They want their child to be a wonder kid. This is not possible for every kid. So it is better to let them discover their hidden talent themselves and support them in doing what they want, thus making them happy.

How To Save Money From What Ever You Earn

It has become almost impossible to spend less and save some thing from the current incomes.

This is due to advancement in technology, introduction of new malls, rising of health care cost, rising of the inflation and buying house on mortgage. So it becomes almost impossible to secure future financially by saving.
Current situations have proved that the saving in the banks is decreasing day by day in almost every one’s account and withdrawal has shown the incremental trend. Deposits are only in the beginning of the month when one get salary and later on there are only withdrawals.
Another surprising fact is that the private companies have started spending more in the promotional campaigns of their products.
However, you can save yourself by keeping yourself away from these hypes and by helping yourself to save money from what ever you earn.

1.    Compulsive Buying:
It was shown from a survey that if one has enough money they will definitely buy the attractive product at one glance.
It has also found that people who have their personal bank cards are most likely to buy more when they even went for window shopping. When you even go to window shopping try to limit your budget and only buy those items which will give you direct satisfaction and for others delay the purchase decision.
2.    Budgeting:

You must prepare an effective budget for you so to stay in your limits. Make the list of necessary items only and avoid listing the unnecessary wish list. Budgeting will put boundaries in your feet and stops you from impulse buying.   

3.    Performing Price Comparison:

It is also very important to know about the prices of items you are planning to opt for. Many web sites provide the price list. You can compare the prices of items which you are going to buy and decide from where to buy it. You can also visit one mall or supermarket to buy the listed items. You should try to buy in the bulk quantity so to save money on bulk purchase.
4.    Take All the Convenience At Home:

If you want to take pity on your pocket you can take your meal from home. You can cut down the cost of soda if you drink water instead. Home made meals, snacks, lunch and dinner will cut your major expense, but for this you have to be strong and decide to leave your eating out habits.

The Online Trading

The world is changing and so the inventions. the creation of internet has helped in changing the world and how we live. There are so many things that we can do online like banking, shopping , paying bills and even dating.

Stocks can be even bought online. the people who trades likes to trade online as this gives them the opportunity to view the activity happening in their accounts. Brokers  can even take orders online rather than using internet.

Online trading has now become a very popular option for  few reason, first it's easy and save time and second online fees for the commission is low. but there are some setbacks in online trading

Online trading can become a grave yard for the first time investors. If you are new in this business it always worth talking to the broker before investing online. In a case like this it's important to do as much research as you can and learn about the different elements of trading.

There is another issue about doing online investment that there are time when you are not connected to the internet. This is leave you in very tricky situation if you are trading online. So weather if you are an experience or   a new learner investor its important that you can get hold of the broker on the phone.

It's also important to go and look for where the brokers company has been setup. It will be hard to find the company that has been in business for 5o years but you surely can find a company that has been in operation for long enough.

In online trading its important to have the knowledge of it. It isn't a very beautiful scenario for everyone. A clear and careful thinking is needed before doing online investment. Just be sure what you do before investing.

Some Tips To Managing Credit Cards

Credit cards have solved our problem of carrying too much cash with us but along with its advantage it also have a disadvantage that people buy things without taking care of their expenses which can create problem for them.

These tips can help you in managing your credit cards:

Get organized:

Check the records of your credit cards so that you remain aware of your expenses and the outstanding debts. Don’t forget to cross check the records for errors.

Evaluate your credit card:

Check the interest rates of your credit cards because some companies offer a low interest rate for a period of time and you may not be aware of it and would be paying higher interest rates. Check the annual membership fee also because some companies have higher membership fees. Cancel your credit card if you are not using it frequently.

Pay on time:

Pay your bills on time to avoid getting charged because of not paying on time.

Manage your debts:

If you have high debts then start planning to clear it ahead of time. Try to pay more than what is required to reduce payment schedule. Don’t take your credit card always with you because you can then buy extra things that are not needed.

Don’t bite more than you can chew:

Don’t buy the things that you don’t need now because your debt will go on increasing which can create problems for you in future.

The Importance of Making A Budget

Keeping track of the money where you spend is very important. People do have this misconception that they believe they know where they spend money and have the full track of it. But you can't have a full track of your finances unless you write them down.

There are tiny little things that we spend the money without realizing that is unnecessary. Because of keeping no record about it we lose track and keep on spending without realizing.

But if we consider that even though this spend seems like to be a very small proportion of our daily expenses but when you add up on these small items on the monthly biases  you will be surprise that how much you end up spending without realizing.

Then you can see that how much would you spend on a yearly basis or on a five year basis, you will realize that this is how much you could have actually safe if just had the awareness that where and how much you are spending. This is why we need to have a plan to spend money and this is what you calling having a budget.

Just by keeping the track of your little and unnecessary expenses and then to have control on them can save you lots of money and you can even fulfill your long term goals by having sure you have enough finance to achieve it. 

We can take one example to see how and where we can cut down on our budget and still achieve what we want. Let’s say if you buy lunch daily and you buy it for five dollar a day. Just by saving a 2 dollar on your lunch you can actually end up saving a lot.

You will save 10 dollars in a week and then eventually you will safe forty dollars a month and then by saving to almost $ 480 a year and then end up saving $2400 in five years. So we consider this a big saving in a long term.

Your long term and short term goals are depend on your finances and finances depends on how much you can save buy planning the right budget.

By saving on a lunch was just a small example, but there are more areas where you improvise and save a lot of money. The goals that you set for long and short term drives you towards saving.

If you have goals like buying a house, or pay your kids tuition fees or buying a car or even going for a holiday, I believe that the time where you can start planning for these goals and start saving for them.

If you think your goals are important for you then this has to be your choice in looking forward by saving, because every penny you save will add up towards fulfilling your goals. So cut on unnecessary things and save and look forward towards a better future.

Plan Your Budget - The Ultimate Tool

Planning is the first step in creating objects. Something done without a planning can fall apart and never be executed. 

We can take the example of a house that we build. A carpenter needs different plans to execute its construction; if he doesn’t have a plan then the house can take a weird shape or may be toilet can be left open for everyone to view.

Another example to illustrate planning is a rocket scientist who first plan is to execute a plan to create a booster rocket, without a set plan the rocket would not work and fall apart, but there is a fact that these people don't think about how much money it will cost to send these rockets or build them.

This is where I believe this is no planning when it comes to finances. This is where things go wrong and we can't call ourselves to clever.

Life is dependent on your financial situation. A person with better finances will of course lead an easy life but for some one where money is tight will have to think and plan before they spend something and to make a plan for your spending is called a budget.

By making a budget and knowing in advance how much can we spend can get us achieve our desired financial goals. By not having a plan for money we can end up spending on unnecessary stuff and that can lead us to a situation where we are helpless and it leads us to a direction where all we have is trouble.

It's important to have a budget in life especially if you have a family or if you are married and live with your partner. It’s essential that in this situation that you and your partner can sit together and make these important financial decisions together.

How To Plan A Budget With A Variable Income 

By doing that you will find out about your needs in long term and short term and then you can set out the preference on the budget where you need to use more.

You make goals in life and realistic way to achieve these goals is by making a plan for these goals and then to execute the plans you need a realistic budget, so by planning in advance can help you achieve these targets and you and your partner can live a happy life

Every penny that can be saved will help in a longer run. Most goals depend on how much you save. But there is a way to save, some people starve to save and then end up in a bad health. This doesn't work in a longer run as it can affect your live drastically.

Saving should be done on the other side especially when buying things for normal use, especially to be aware when spending money on cloths and on items related to food. There should be plan as how much you want to spend on these items and kept them a side.

Also insurance and bills can be kept separately. There should be target on how much you want to spend while entertaining yourself or when going for infrequent luxury items. So whatever you save will help you in future.

You can use internet as a source that can help you plan your budget. There are forms available on the internet get can help you to sort out your finances. Get these forms printed from the search engines and work on them as they can bring significant change in your life and it will result in you being happy and it will make you aware of your situation, something you can be dependent on.