Guide to Finance

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How Much Spending Money

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Do you think this is a joke spending money only $300 a month for the whole family? With this tight budget, what sort of food would make the list?



Could you save $25 a month on groceries? How about $50 or $100? Possibly you could cut your bill by almost 50% if you consider some of the following suggestions:

1. Divide the budget you have into three categories; weekly, bi-weekly and monthly. Once you have the totals fixed, try to find a way to make it work. If you budgeted too tight, only then consider how much more you really need to spend.

2. Identify your WEEKLY needs; milk, bread, fruits. These will be your saving graces when the troops are hungry. You can load up every week and always have a healthy snack available. Think about $15/week.

3. Identify your BI-WEEKLY needs; eggs, cheese, vegetables, meat and cheese for sandwiches etc. These items have a slightly longer shelf life but you will watch how much you use when you know there's still four days until your next purchase. Try $20 every two weeks.

4. Get the remainder of your groceries in one place. Use cash to pay (to avoid temptation of over spending) and work out your shopping list ahead of time. You only need to do this once as many of the items (Cereal, meat etc.) will need to be repurchased each time. Other items (sugar, flour etc.) may be substituted every other month. In this example you have $200 left.

5. Have a schedule of meals that you can rotate. Cheap, healthy meals like stir fry can be inexpensive as they use less meat than full pieces of chicken or beef for dinner. Plan to have a meat meal offset by a simpler dish like pasta every other night. This way your family will not go through 'feast-and-famine' when they eat like kings the first week and are eating canned chili every night for the last week.

Always determine your meals based on what you really plan to cook. If you have easy weeknight staples, try to find the cheapest method of preparing them, or make do with less pre- packaged affair on other nights when you have more time. Using items like frozen vegetables can make eating cheap also healthy and convenient.

Clearly the $300 suggestion will depend on your family, the age of your children and how much your budget really allows. Whatever your budget, taking the time to draw up a plan and think about your choices will guarantee that you keep more cash in your wallet for other important things.
How Much Spending Money
Apart from newspaper advertising, a system of leaflets, cards and catalogs can be operated to a business advantage in marketing its products and services. One week a business owner may send out leaflets, next week he may mail cards with a nicely written message calling the attention of the recipient to make some action, then the week after that a tasty catalog may float along – talking about good work, good stock, prompt deliveries and affordable prices.

As most of you are probably aware of, catalogs are a good way to market all kinds and types of products. From products with general appeal to products that fits a specific market, catalogs and other direct marketing materials can be your key to being successful in the ever crowded marketplace.

Catalogs offer new and interesting products to their customers each month, quarter or year depending on the business. Catalogs also like to promote products that are not easily found at retail stores, products that are not available elsewhere or products that add to the best selection category of a certain product. Thus, to keep your catalog interesting and fresh to your customers, you should at least introduce over twenty percent of new products each year.

Considering the sales potential for your product if you do get into catalogs, you can see that there is a great opportunity for you to make great sales. If just one decently designed catalogs picks up your product and carries it for a full year, you could expect to have a sale of five thousand to fifty thousand units or more in a year.

One good thing about catalogs is that if you run a small business that carries only a limited number of products per month you can use smaller catalogs and move to bigger ones as your capabilities grow and as your business gets bigger. Nevertheless, before marketing your products through catalogs you need some prep work done. Even though catalogs are always open to new products, you still have to be professional in your dealings. If your catalog looks like slacking, you will be perceived as flimsy.

Keep in mind that almost every printer can so express himself on paper that he can produce fairly good marketing materials. If he cannot you should find somebody inside or outside your establishment who can write snappy business-like ads. At any rate a good printer should give all advertising in the shape of cards, catalogs and posters among others the right typographical appearance which is very important in making a good impression. With such, a business man can tell at a glance whether or not the printer shows judgment with artistic sense.
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Both Mary Williams & Viojieley Gurrobat are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Mary Williams has sinced written about articles on various topics from Skin Care, Finances and Student Credit Cards. Mary Williams maintains many websites about billing, including ,. Mary Williams's top article generates over 9900 views. to your Favourites.

Viojieley Gurrobat has sinced written about articles on various topics from Marketing, Marketing and Brochures. . Viojieley Gurrobat's top article generates over 33100 views. to your Favourites.
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