Complete a Budget Worksheet _ I would urge everybody to sit down with a budget worksheet once in awhile. But you really need to do this if you think your finances are out of control. The form should not take that long to fill out either. It is not important for you to be 100% accurate. It is important for you to understand how your family finances are working for you.
More Services. I am old enough to remember the days when families had one phone number. One phone number meant one phone bill. Now almost everybody carries a cell phone, and we still have a home phone. Our phone bills have doubled or tripled. We also have cable TV and internet services to pay for. These used to be luxuries, but now we rely upon them. _ Busy Lives. We are very busy these days, and it seems challenging to fit in everything we want to do.. Because of this, we tend to eat out more. When we do eat in, we rely upon expensive convenience foods. With rising prices, it is hard enough to keep the price of groceries under control. But now we are spending a lot more on food.