How to Get Personal Finance Help

For those who are struggling with finances, getting through the monthly bills can seem like an impossible task.  If you are struggling, there are many things that you can do to help regain control over your finances and stop struggling from month to month.

• Be honest with yourself about your finances, and try to determine where you can cut back on spending.  Writing down how much money you have coming in and how much you have going out will help you discover if you are spending too much money on certain items and help you regain control of your spending.


• Create a budget.  Write down a list of bills that you have to pay, and create envelopes for each bill.  As soon as your money comes in, place it in an envelope so you know where it is going.  You can also create envelopes for other items that you spend money on throughout the month, including gas, groceries, entertainment and clothing.  To control spending money on items you do not need, designate a certain amount of money for each one, and try not to go over that amount.


• Read books, magazines and websites on the Internet that are dedicated to helping you regain control over your finances.  You can also do a search for seminars or classes on personal finance that are being offered in your area.


• Sit down with a trusted friend or family member who is knowledgeable about finances, and who can help you see where you may be able to make adjustments and control your finances.


• Hire a professional financial advisor.  Financial advisors can help you go over your finances and teach you how to control them.


• Open a savings account and start putting money into an emergency fund, however small the amount may be.  This will help you tremendously in the event that you lose your job or have an emergency come up.