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Budgeting\u00a0<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.16″ text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n
Building your household budget.<\/p>\n
[\/et_pb_text][et_pb_button button_url=”#financial-edu-form” button_text=”Get in Touch” button_alignment=”center” module_class=”ccs-modal-trigger” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_border_width=”2px” button_border_color=”#2ad13d” button_use_icon=”off” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2ad13d” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”rgba(0,0,0,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Intro Paragraph” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” custom_padding=”0px||130px|||” custom_padding_tablet=”||117px||false|false” custom_padding_phone=”||74px||false|false” top_divider_style_last_edited=”off|desktop” bottom_divider_style=”ramp2″ bottom_divider_color=”#ffffff” bottom_divider_repeat=”1x” bottom_divider_flip=”horizontal|vertical” bottom_divider_style_tablet=”” bottom_divider_style_phone=”” bottom_divider_style_last_edited=”on|phone” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”100px” bottom_divider_height_last_edited=”on|phone” bottom_divider_flip_tablet=”” bottom_divider_flip_phone=”horizontal” bottom_divider_flip_last_edited=”on|phone” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|desktop” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_dmb_breadcrumbs font_icon=”%%20%%” use_home_icon=”off” use_home_text=”on” show_custom_taxonomy_crumbs=”off” _builder_version=”4.21.0″ body_text_color=”rgba(102,102,102,0.8)” link_text_color=”rgba(42,209,61,0.8)” custom_padding_tablet=”” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” global_module=”6437″ saved_tabs=”all” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”rgba(90,39,178,0.4)”][\/et_pb_dmb_breadcrumbs][et_pb_text _builder_version=”4.16″ header_2_font_size=”30px” global_colors_info=”{}”]<\/p>\n
Think back to your very first paycheque \u2013 paper route money, babysitting income or a cheque from a part\u2013time job. Did it come with instructions? Instructions seem to be included with the simplest devices these days, and yet, with something as important as our paycheques, we\u2019re left to figure it out on our own.\u00a0No one is born with money management skills.<\/strong> By the time we\u2019re adults, we are expected to be able to manage our money effectively; however few of us are taught how. Therefore, many people experience the usual emotions that occur when they don\u2019t know how to do something well. These may include:<\/p>\n Like driving a car or playing an instrument,\u00a0the skill of managing money must be learned<\/strong>\u00a0\u2013 and it\u2019s never too late to start! Doing so usually pays immediate benefits. People might not earn more money if they budget well, but they will be able to use the money they do have wisely.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”#e4f8e0″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px||100px|||” bottom_divider_style=”curve2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” module_id=”get-cell-phone” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”left” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ custom_padding=”24px|||||” global_colors_info=”{}”]<\/p>\n Someone who manages their finances responsibly has peace of mind and knows how to:<\/p>\n It\u2019s not how much you make, but what you do with what you’ve got. Proper money management does not involve a magic formula to find more money. It simply means getting the most from the money you do have.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ module_class=”first-on-mobile” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/managing-finances_2colm.jpg” alt=”managing finances” title_text=”managing-finances” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”||-35px||false|false” custom_margin_phone=”||-45px||false|false” custom_margin_last_edited=”on|phone” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_margin=”0px||0px||false|false” custom_margin_tablet=”||-90px||false|false” custom_margin_phone=”||-70px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”50px||50px||true|false” custom_padding_tablet=”71px||162px||false|false” custom_padding_phone=”27px||144px||false|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Answer the following questions truthfully, based on what you do today. Ask yourself how much effort do you put in managing your own money? Do you keep track of what you spent in a day, week, or month? How many times do you regret spending so much money on something that will benefit you so little? You do not need to share your answers with anyone \u2013 they are merely to help you identify how you may want to improve your own money management skills.<\/p>\n The foundation of sound money management is the budget.<\/strong> However, for many people, the word “budget” evokes feelings of fear or frustration. Your budget is your plan for your money. It is based on choices you make and priorities that you identify.<\/p>\n Building a spending plan, or budget, is a step\u2013by\u2013step process.<\/strong> Once complete, your budget is the solid foundation with which you can manage your current income and expenses and plan for future possibilities.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” prev_background_color=”#e4f8e0″ _builder_version=”4.16″ background_color=”#ffffff” custom_margin=”||0px||false|false” custom_margin_tablet=”||-120px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”2px||36px|||” custom_padding_tablet=”0px||180px||false|false” custom_padding_phone=”0px||169px||false|false” top_divider_style=”wave2″ top_divider_height_tablet=”70px” top_divider_height_phone=”40px” top_divider_height_last_edited=”on|phone” bottom_divider_color=”#ffffff” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”156px||8px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” link_text_color=”#5b25af” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”#2ad13d”]<\/p>\n Is the economic downturn causing you to consider your personal financial situation? You may be worried about losing your job or how much debt you have. Avoid a potential personal financial crisis; get back to basics with a budget you can stick to. Here’s how to start:<\/p>\n Goals for your money will help you make smart spending choices. Ask yourself: What do I want my finances to look like in one year? Decide what\u2019s important to you and start there.<\/p>\n You probably know how much you earn each month \u2013 but do you also know where it all goes? Find out by tracking what you\u2019re spending. Spend as you normally would, but for a few weeks, jot down every cent you spend. It\u2019s easy and you might be amazed by what you find out.<\/p>\n Ask yourself: Do I want this or do I need it? Will spending this money get me closer to my financial goals or further away? Can I live without it? Set clear priorities for yourself and the decisions become easier to make.<\/p>\n Make sure that you are not spending more than you make. Balance your budget to accommodate everything you need to pay for. To make all this easier, try using our\u00a0super user friendly, free, Canadian budget calculator that you can download for Excel or Open Office and use as a template<\/a>\u00a0for your personal or family budget.<\/p>\n Match your spending to when you receive your income. Decide ahead of time what you\u2019ll use each pay cheque for. Ask yourself: Have I allocated money for my necessities (housing, food, utilities, transportation, etc.)? Have I put money aside for my debt payments, unexpected expenses, savings and the fun stuff? This will protect you from going into debt further because you won\u2019t rely on credit to pay for your living expenses.<\/p>\n You know that things will \u201cjust come up\u201d \u2013 school expenses, new shoes or an annual membership. Set money aside to pay for these expenses so you can afford them without going into debt.<\/p>\n Getting on track with a budget can take a month or two. You\u2019ve lived all this time without a spending plan, so give yourself time to adjust. Don\u2019t be afraid to ask for help if things aren\u2019t falling into place \u2013 we\u2019re just a phone call away.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ theme_builder_area=”post_content” specialty=”on” _builder_version=”4.27.4″ _module_preset=”default” use_custom_gutter=”on” hover_enabled=”0″ sticky_enabled=”0″ gutter_width=”4″ background_color=”#E7DFF3″ custom_css_main_1=”margin: auto;” top_divider_style=”ramp2″ top_divider_height=”200px” top_divider_flip=”vertical” top_divider_height_last_edited=”on|phone” top_divider_height_tablet=”150px” top_divider_height_phone=”100px” custom_padding=”160px||90px||false|false” custom_padding_last_edited=”on|phone” custom_padding_phone=”140px||||false|false” custom_padding_tablet=”||80px||false|false” top_divider_color=”#FFFFFF” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on” da_disable_devices=”off|off|off”][et_pb_column type=”1_2″ theme_builder_area=”post_content”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/download-7-steps-workbook_2colm.jpg” alt=”Download the Workbook” title_text=”download-7-steps-workbook” align=”center” _builder_version=”4.27.4″ transform_scale_last_edited=”off|phone” transform_translate_last_edited=”off|phone” transform_rotate_last_edited=”off|phone” transform_skew_last_edited=”off|phone” transform_origin=”50%|68%” transform_origin_last_edited=”off|phone” transform_styles_last_edited=”off|phone” max_height=”350px” max_height_tablet=”” max_height_phone=”” max_height_last_edited=”on|phone” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” hover_enabled=”0″ border_radii=”off|200px|20px|200px|20px” border_radii_tablet=”” border_radii_phone=”off|150px|20px|150px|20px” border_radii_last_edited=”on|phone” box_shadow_style=”preset1″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″ custom_padding_last_edited=”on|phone” custom_padding=”85px||||false|false” custom_padding_tablet=”0px||||false|false” custom_padding_phone=”0px||||false|false”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ specialty_columns=”2″ theme_builder_area=”post_content”][et_pb_row_inner _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column_inner saved_specialty_column_type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.4″ header_2_font_size=”32px” header_3_text_color=”rgba(0,0,0,0.5)” header_3_font_size=”26px” custom_padding=”||||false|false” animation_direction=”top” hover_enabled=”0″ global_colors_info=”{}” header_2_font_size__hover_enabled=”off|desktop” sticky_enabled=”0″ theme_builder_area=”post_content”]<\/p>\n The steps you are going through can also be viewed as a\u00a0PDF download in a workbook titled, 7 Steps that Will Help You Build a Budget that Works<\/a>\u00a0(you can fill out this PDF and save your work).<\/p>\n Click here for a print only version of the PDF<\/a>.[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner _builder_version=”4.27.4″ _module_preset=”default” column_structure=”1_2,1_2″ theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″ module_alignment=”center” max_width=”400px”][et_pb_column_inner saved_specialty_column_type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” type=”1_2″ theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” locked=”off” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n [\/et_pb_text][et_pb_icon _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content” font_icon=”k||divi||400″ icon_color=”#2AD13D” icon_color__hover_enabled=”on|hover” hover_enabled=”0″ sticky_enabled=”0″ icon_color__hover=”#5B25AF” locked=”off” url=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2021\/08\/7-Steps-Budgeting-Workbook-Fillable-PDF1.pdf” url_new_window=”on”][\/et_pb_icon][et_pb_button button_url=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2021\/08\/7-Steps-Budgeting-Workbook-Fillable-PDF1.pdf” url_new_window=”on” button_text=”Download” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” locked=”off” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_button][\/et_pb_column_inner][et_pb_column_inner saved_specialty_column_type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” type=”1_2″ theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” locked=”off” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n [\/et_pb_text][et_pb_icon _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content” font_icon=”h||divi||400″ icon_color=”#2AD13D” icon_color__hover_enabled=”on|hover” hover_enabled=”0″ sticky_enabled=”0″ icon_color__hover=”#5B25AF” url=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2021\/08\/7-Steps-Budgeting-Workbook-PDF1.pdf” url_new_window=”on” locked=”off”][\/et_pb_icon][et_pb_button button_url=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2021\/08\/7-Steps-Budgeting-Workbook-PDF1.pdf” url_new_window=”on” button_text=”Download” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” locked=”off” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_button][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”140px||0px|||” top_divider_style=”ramp2″ top_divider_color=”#e7dff3″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n If all this looks like too much work, or you’re really looking for something much quicker right now, check these out:<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ prev_background_color=”#ffffff” admin_label=”CTA 2 – Get started” _builder_version=”4.16″ background_enable_color=”off” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/03\/credit-counselling-couple-3-scaled-purple.jpg” parallax=”on” parallax_method=”off” max_width=”100%” custom_padding=”280px||1px||false|false” top_divider_style=”ramp2″ top_divider_height=”180px” top_divider_flip=”horizontal” bottom_divider_style=”curve2″ bottom_divider_color=”#e7dff3″ bottom_divider_height=”150px” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”105px” bottom_divider_height_phone=”70px” bottom_divider_height_last_edited=”on|tablet” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row admin_label=”CTA Components” _builder_version=”4.16″ background_enable_color=”off” z_index=”0″ width=”60%” width_tablet=”100%” width_phone=”” width_last_edited=”on|phone” max_width=”100%” min_height=”500px” min_height_phone=”auto” min_height_last_edited=”off|phone” custom_margin=”-6px|auto|-240px|auto|false|false” custom_margin_tablet=”||-170px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”||0px|||” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Heading Line 2″ _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.9)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px||||false|false” animation_direction=”bottom” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” animation_delay_tablet=”1000ms” animation_delay_phone=”” animation_delay_last_edited=”on|tablet” text_text_shadow_style=”preset2″ inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n You can do this!<\/p>\n [\/et_pb_text][et_pb_text admin_label=”Paragraph Message” _builder_version=”4.16″ text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”1.6em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”79px” custom_margin=”-15px||||false|false” custom_padding=”||4px|||” animation_direction=”bottom” 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Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n A fatal flaw when paying off debt and bills is forgetting to budget. Here’s why and what to do instead.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/budgeting\/budgeting-guidelines” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/budgeting-guideline_related_topic.jpg” alt=”budgeting guideline” title_text=”budgeting-guidelines” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n A breakdown of categories for your budget and how much to spend on each type of expense.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/debt-help\/credit-counselling” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/signing-agreement-with-advisor_related_topics.jpg” alt=”signing agreement with advisor” title_text=”credit-counselling” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n Are you curious about what credit counselling is or how it works? Here’s what you need to know.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|on” admin_label=”Related Article Swipe Cards | Mobile” _builder_version=”4.16″ custom_padding=”3px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_code admin_label=”Swiper Code for Swipe Cards (Need to upload card images and then enter their URLs in this code)” _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n\n
What Does a Financially Savvy Person Look Like?<\/h2>\n
\n
Take a Quick Look at Your Current Money Management Skill Level<\/h2>\n
7 Steps to a Budget Made Easy<\/h2>\n
1. Set Realistic Goals<\/a><\/h3>\n
2. Identify your Income and Expenses<\/a><\/h3>\n
3. Separate Needs and Wants<\/a><\/h3>\n
4. Design Your Budget<\/a><\/h3>\n
5. Put Your Plan into Action<\/a><\/h3>\n
6. Seasonal Expenses<\/a><\/h3>\n
7. Looking Ahead<\/a><\/h3>\n
Download the Workbook<\/h2>\n
Fillable
Workbook<\/h3>\nPrintable
Workbook<\/h3>\nJump Ahead<\/h3>\n
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Related Topics<\/h2>\n
Tips to Pay Debt Faster<\/h3>\n
Budgeting Guidelines<\/h3>\n
Credit Counselling<\/h3>\n