Financial Health and Wellness


                Personal Financial Budgeting Information Resource • Dedicated to helping you find a finacially healthy lifestyle

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How Do you Save Money And Reduce Your Debt?


It all starts by tracking your spending and calculating your debt. There is potentially hundreds of dollars per month leaving your budget on unnecessary items or overpriced expenses. To start tracking your monthly spending. We recommend using My Budget Planner.

My Budget Planner My Budget Planner is an exceptional program for the entire family that will assist you in tracking your spending and creating a budget that works. Click the My Budget Planner icon to be directed to the site and start reducing your debt today.

We know finding additional money to help pay off credit cards or save for your future can be difficult. It often means changing your habits and evaluating each and every expense. Did you know you could save as much as 20 % on your insurance today?
After we completed the free quote forms, we had local agents contact us by email providing quotes. No SPAM just quotes and contact information.  You can use the information to compare prices before you contact an agent. We compared the quotes to our existing coverage and discovered such a big savings that we decided to double our coverage for the same price. This is not just the coverage on our vehicles but our home as well. I can't stress enough about taking the time to re-evaluate your insurance costs.  This is free money you are giving away. The rates are constantly changing from company to company and you could be wasting hundreds of dollars by not taking just a few minutes to fill out some simple forms. Also consider increasing your deductible. Changing from a $500 to a $1,000 deductible may save you as much as 50% on your car insurance.Your insurance does not have to be expiring to shop around and save.  You can switch companies and start saving today. In less than half an hour you could be putting hundreds of dollars back in your budget. Don't wait, start saving now. We have personally used the links on the site  and found them to be vary competitive. 


The Budget – The Ultimate Financial Management Tool


A carpenter uses a set of house plans to build a house. If he didn’t the bathroom might get overlooked altogether.

Rocket Scientists would never begin construction on a new booster rocket without a detailed set of design specifications. Yet most of us go blindly out into the world without an inkling of an idea about finances and without any plan at all.

Not very smart of us, is it?

A money plan is called a budget and it is crucial to get us to our desired financial goals.

Without a plan we will drift without direction and end up marooned on a distant financial reef.

If you have a spouse or a significant other, you should make this budget together. Sit down and figure out what your joint financial goals are…long term and short term.

Then plan your route to get to those goals. Every journey begins with one step and the first step to attaining your goals is to make a realistic budget that both of you can live with.

A budget should never be a financial starvation diet. That won’t work for the long haul. Make reasonable allocations for food, clothing, shelter, utilities and insurance and set aside a reasonable amount for entertainment and the occasional luxury item. Savings should always come first before any spending.

Even a small amount saved will help you reach your long term and short term financial goals. You can find many budget forms on the internet. You can use the free forms on Financial Health And Wellness. We suggest using My Budget Planner or Mvelopes. Take some time and work on it with your spouse or significant other. Both of you will need to be happy with the final result and feel like it’s something you can stick to.

Get a personal budget today

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