How to build and maintain an effective household budget that helps achieve your goals.

Budgeting isn’t just for adults. High school students, college students and even kids should learn the art of building a useful budget. It’s the foundation of every financial strategy; without a budget you simply won’t know where your money is being spent, or if you can really afford all the items you are purchasing ? especially if you are using credit cards to make those purchases.

An effective and accurate budget could save you the stress of falling into debt. With a budget you can track your expenses, save money, eliminate wasteful spending and plan out future monetary goals. It all makes sense; budgeting for the whole family keeps everyone financially fit.

Every financial situation is different. If you require immediate help or just want to talk with a professional about budgeting or getting out of debt, take the first step today. Call Consolidated Credit at to have a free consultation with a certified credit counselor or get started online with a request for a free Debt & Budget Analysis.

Budgeting Made Easy

Budgeting can be intimidating, especially if you’ve never built one before. Many people believe it’s just too hard and too time consuming and not worth the effort. That’s really not the case, though. It’s also worth the time investment, because once you get your budget functioning properly it’s just a matter of tracking your spending and finding ways to save.

Budgeting 101 for College Students

College students don’t usually take the time to budget. That’s a mistake, especially if you have a credit card with you during your school years. It’s easy to forget how much you’re spending if you don’t keep a budget and track your finances. That’s how college students fall further into debt and end-up not saving money for the future.

Budgeting for Kids

With the unruly nature of our economic times it’s wise to get your kids involved with budgeting. Teaching your children the value of a hard-earned dollar and understanding the consequences of overspending, are valuable life lessons that can carry them through their lives. Budgeting will give them the groundwork they need to begin a life of sound financial decisions.

Need More Help Balancing Your Budget?

When you’re struggling to get ahead of high credit card debt payments, balancing your budget can seem impossible. We can help. Call Consolidated Credit today at for a free consultation with a certified credit counselor or get started online with a request for a free Debt & Budget Analysis.