Free Excel Spreadsheets for Budgeting your Finances is an article from http://smarterspend.com/?p=372 Even when the economy is steady, having a 6 months rainy day savings can go a long way in securing a stable future for your family. Nowadays, the government recommends a family has enough to live on for 8 months, provided all income sources are removed. Hence, managing your money for a personal or family [...]

10 Great Ideas for a Rainy Day Fund is an article from http://smarterspend.com/?p=109 Grocery spending can be one of the biggest financial burder on a family. An average family of four spends approximately $6,280 annually on groceries. This translates to a whopping $121 a week.  Even with the current economic condition, food prices have not budged. Market analysts predict that it takes about 3 quarters (9 months) for [...]

Cut Grocery Spending Costs and Saving Big is an article from http://smarterspend.com/?p=10 A lot of people don’t know that there are many electricity bill aid programs available for low income residents in their respective states.  For example, the state of California offers Low-Income Energy Efficiency (LIEE) This service includes attic insulation, energy efficient furnaces, energy efficient refrigerators, weatherstripping, caulking, water heater blankets, low-flow shower heads, as well [...]

Reduce your Home Electricity Bill is an article from