Dear Friends,

A budget is like a roadmap—without it you won’t know where you are or in which direction you are heading. In times like these, you can’t afford to have an uncertain financial picture.  Formulating and implementing a household budget isn’t as daunting as it may seem. This month’s Item of Value will help you get your financial house in order. You will find valuable tips to create a realistic budget, as well as a worksheet that will help you examine your monthly income and expenses—the first step in creating a prudent monthly budget. A budget is an integral part of maintaining healthy finances, but being smart with your money is equally important. I’ve listed many practical ways you can save money on everyday activities.

If you haven’t already, now is the perfect time to get your financial house in order.

And don’t miss the great offer attached: Buy 1 Entrée and get 1 Entrée Free at Pulcinella’s, one of my favorite restaurants! A delicious way to save!

Click Here to view this month's Item of Value (PDF format)

Sincerely,

Janice Rosenberg