Tip of the week
Make a budget.
We all know that we should make a budget and stick to it.
Make sure you put in all your weekly, monthly, yearly costs. Add it all up and divide it into weekly payments. Don’t forget to add in savings. When you are paid, whether weekly, bi-weekly, monthly, have a book of envelopes, or checking & savings accounts. Divide up your pay checks into the weekly budget amounts.
To help stick to that budget here are some ideas:
Grocery Shopping.
Sign up for your favorite store’s bonus card. Scour the weekly grocery ads & build your menu around the sale items.
Cut coupons.
There are lots of coupons in the Sunday newspapers and various sites online. When you check the weekly sales, use your coupons for extra savings & stock up on your favorite items.
Warehouse Stores.
Check out the cost of the warehouse stores. Sometimes it pays to join & buy in larger quantities.
Dollar Stores
There are some items worth purchasing at the Dollar Stores like:
Cards, Gift Bags, Gift Wrap, Ribbons - (sometimes the craft stores have great sales on ribbons, so check the weekly ads & stock up, Gift basket shreds.
Watch for brand name items& know your pricing.

So for this week, set up a budget & check back next week to see more tips.
Brought to you by Tom Smith & Amanda Nichols
The Tom Smith Realty Group
RE/MAX At Barnegat Bay, Manahawkin Cell/Text 609 709-1429 Email: Tom@Sellertom.comEmail: Amanda@Sellertom.com
To see more tips visit: www.Sellertom.com under tools & links click on booklets & reports