10 ways to make a budget, and keep it

Published: Thursday, Sept. 12 2013 11:42 p.m. MDT

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First thing's first. In order to live your budget well, you should have a good system for budgeting.

To help us understand how to better plan for the financial future, the Deseret News received some advice from Peter Blatt, an investment advisor based out of Palm Beach Gardens, Fla.

"Look to see what you think you spend per month," he said, "then figure out why your number is lower than your actual spend. You will be surprised where all the money goes. It helps you reduce expenses."

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Filo Doughboy
Bakersfield, CA

Good stuff. 4 outta 10 isn't bad...

But more rigorous saving and specifics are needed. We still adhere to the Financial Planning course we paid $100 for. Best investment ever!

Filo Doughboy
Bakersfield, CA

Meant to say Financial Peace University, Dave Ramsey. His motto is to take control of your money or it can take control (and ruin) your life:

1- Silly "saving" envelopes, saying no to kids and "extras", cutting up the credit cards: Best actions ever.

2- Lots of Biblical principles and encouragement.

3- Having a plan/budget makes you feel in control and functional. And it leaves you guilt-free when it comes time to splurge!

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