DR. SHAZIA

Posts Tagged ‘budget’

Question by rooney: Suggestions on how to budget our household income?
My husband makes $ 7,000-9,000 a month (take home)
Our mortgage is $ 3500
How much do you think is reasonable to be spending on:
Food
Entertainment
Clothing
Household supplies
Savings

Of course we have other expenses like insurance and utilities and car payments but I wanted to know about the other things that are more under our control because I think it is getting out of hand. We are spending over $ 750 on food and $ 700 on misc.
we have an infant and a toddler btw.
I’ve heard of a technique where people put all the moeny they are planning on spending for each expense such as groceries and entertainment in envelopes and only using those so that they can prevent overspending. Does this work?

Best answer:

Answer by Jen G
My first concern is that you may have too much wrapped up in your mortgage. A good rule of thumb is that your housing payment should be no more than 25% of your take home pay. With the figure you’ve given it’s closer to 40%. That instantly makes things tight, but your question is about budgeting..

My husband and I sat down together and made a list of EVERYTHING we spend money on.. household expenses, debts, savings, etc. We put a figure to each item on the budget. Once that was done we also wrote down all of our income. The goal is for the income to equal the expenses each month.

If you are over your income, then you need to start looking at things that can be cut from the budget. We got really radical recently and we as far as cutting our cable down to basic service (we were going to cancel it completely, but it was cheaper to keep it for the internet). Our goal though is to get out of debt.

You also really need to identify what is Misc.

I would like to recommend that you check out Dave Ramsey’s book “The Total Money Makeover”. It’s an easy read that can change your life and how you and your husband look at money.

Know better? Leave your own answer in the comments!

Personal Financial Budget and Money Management Course
Video workshop for an excel download balance sheet to keep you on budget with your financial goals. You will learn to enjoy saving money, and learn tricks that can save you hundreds a year with budgeting techniques, and repair debt and credit problems!
Personal Financial Budget and Money Management Course

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The Most Enlightening, Empowering, Encouraging & Inspiring Book Of 2010 – Featuring the likes of Johnny Wimbrey, Ellie Drake, Nik Halik , Vernice Armour, Matt Morris and many many more – Free bonus pack makes the value of this product in access of 0
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Homeopathy is Low cost budget for Infertility and oligospermia Treatment Dr Harshad Raval MD

 In India and allover world Thousands of women of almost every age have  infertility issues  and  male had oligospermia or azospermia problem so She/he had prgegnency problem. They expence for lots of dollar treatment and  lots of side effect for moeden medicine, After thet had no result then they are fisteted.

In Homeopathy medicineDr Harshad Raval MD succsessfully treated thaunds of infertility, Chronic endometritis, Fibroid in utrus, Health ovem producedproblem , In  Male  oligospermia ,azospermia, ejeculations problem are treated his center succsessfully.

In Homeopathy treatment is safe and make natural pregnency with out side effect. Dr Raval treated in his 25 years of prectised more then 15000
case cure very sciatificallty.

While celebrities and wealthy couples can afford the prices, many struggle with treatments that can cost thousands of dollars. Even couples who can afford IVF are starting to question whether the potential health complications for mother and child are worth it. According to  Dr Harshad raval MD said : “Conventional treatments don’t address factors such as nutritional Homeopathy treatment  deficiencies, stress, toxin exposure, food intolerances, allergies and immune deficiencies. All of these subtle but critical factors impact the quality of your eggs and sperm, affecting your ability to conceive and the health of the embryo”.  Homeopathy Had Low cost, no side effect ,Not much restrictions for while medicine treatment, Easy taking medicne, No opretions, 

India coupled with medical tourism services provides affordable price infertility treatment. Indian  Dr Harshad raval MD ‘s centers have guided all patients and childless couples in a fine way to get them cured from various kinds of male and female infertility disorders. The quality of medical treatment and healthcare amenities in India is absolutely fine plus Indian doctors and medical staff set the fulfilment of patients expectations as their primary target.

The cost budget for procedures of infertility treatment in India is quite friendly and medical rehabilitation facilities being provided to patients makes them feel at home. You may get more info on low cost infertility treatment in India at http://www.homeopathyonline.in or mail your queries at  info@homeopathyonline.in Call us at +91-9327010414.
 

Seniors care, ER waits top health budget
Alberta’s health-care agency will focus on seniors care and cutting wait times in ERs in its newly approved $11.2 billion budget.

Read more on CBC Edmonton

Product Description
Top moneysaving tips for a healthy home environment and much, much more.

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What ingredients in beauty products should you be avoiding?

Make an economical, health-giving green smoothie that doesn’t taste of pond weed. No juicer needed, any rickety old blender will do.

How to get your kids to eat their fruit and veg.

How to get the most out of your household contents insurance.

A tutorial on identifying and removing stains the instant they occur so you’ll never have to refer to a stain chart again.

Help! – Space Solves Q&A. A collection of over 80 of the trickiest, stickiest stains and cleaning questions solved by the author for grateful Guardian readers over the last 5 years.

Done & Dusted – The Organic Home on a Budget

Budget cuts could harm animal care
Miguel “Angel” Hernandez puts a 2-year-old boxer on the scale. The dog, with ribs jutting out through his skin, is only 42 pounds. “This is way too skinny,” says Hernandez, a Riverside County animal control officer. A boxer his age should weigh 60 pounds.

Read more on The Desert Sun

Hello everyone, i am a 22 year old male that is looking for a health care provider for low cost. i don’t make a whole lot of money, i would like to pay a minimum of 100 dollars a month. I don’t currently have a job but i will soon. I am on Unemployment for the time being, do to being laid off.

1. What are the prices i am looking for?

What are things i need to know about health care, cause i am totally lost with it.

Thanks and have a great day:)

New Data Shows Budget Impact of Fecal Management System in Hospital ICU
ORLANDO, Fla., April 18 /PRNewswire/ — ConvaTec, a world-leading developer and marketer of innovative medical technologies for community and hospital care, today announced new study results that demonstrate hospitals could realize substantial savings by substituting Flexi-Seal(R) FMS for traditional fecal management methods.

Read more on Forbes

Local briefs: Toddler hit; sexual battery; fatal wreck; couple injured; Union budget; Home Business Expo
Sheriff’s deputies will not charge the driver in an accident that left a toddler in critical condition with a severe head injury Friday, according to a news release from the Madison County Sheriff’s Office.

Read more on The Jackson Sun

• Life-size, on base
• Model C20C
• Dissectible into 8 parts, economical from Lippincott Williams & Wilkins
• Antomical model of the brain
• Not available for shipment to Hawaii or Alaska

Product Description
Budget Brain With Arteries Model
Item #: C20C

An educational economy model of the brain. Color markings illustrate arteries (red) and cranial nerves (yellow). Dissects into 8 parts. Life-size, on base. Size: 5″ x 6″ x 6″.

Choking Hazard: Small Parts. Not for children under 3 years.

Budget Brain With Arteries Model