Developing self-control of your spending is a basic step in cutting the cost of living. Some families are able to afford what they want, even on a limited income. This may result from having more experience or greater skills. You probably know specific things you could do to reduce spending. These suggestions may work for you. This 3-page fact sheet was written by Josephine Turner, Michael S. Gutter, and Nayda I. Torres, and published by the UF Department of Family Youth and Community Sciences, October 2012.
http://edis.ifas.ufl.edu/he153
Tag: Nayda I. Torres
Building a Spending Plan series
Follow the six steps in this series to learn how to calculate your expenses and determine your financial goals. With this information, you can compare your expenses against your income to find out how to best budget your money. Fill out these worksheets to build your own spending plan. These fact sheets were written by Nayda I. Torres, Josephine Turner, and Brenda C. Williams, and published by the UF Department of Family, Youth, and Community Sciences, July 2012. http://edis.ifas.ufl.edu/topic_series_building_a_spending_plan
Family Money Problems (FCS7011/HE155)
More money will not necessarily give you more happiness and contentment in life; but it can, provided you learn to manage it. This 6-page fact sheet is published by the UF Department of Family Youth and Community Sciences, October 2011.
http://edis.ifas.ufl.edu/he155
Money and Marriage: Saving for Future Use (FCS7014/HE158)
There are a lot of good reasons why you should save money. This 5-page fact sheet explains some of the benefits of saving and investing. Written by Nayda I. Torres, Vervil Mitchell, Josephine Turner, Lisa Leslie, and Michael S. Gutter, and published by the UF Department of Family Youth and Community Sciences, April 2011.
http://edis.ifas.ufl.edu/he158
FCS5205/FY374 Financial Recordkeeping: Organizing Your Financial Life
Revised! FCS5205, a 4-page fact sheet by Selena Garrison, Michael S. Gutter, Julie England, Josephine Turner, and Nayda Torres, addresses what financial and personal documents individuals should keep and why, how long they should be kept, and where they should be stored. Published by the UF Department of Family Youth and Community Sciences, October 2009.
http://edis.ifas.ufl.edu/FY374
FCS7026/HE817 Federal Income Tax Management
Revised! FCS-7026, an 8-page fact sheet by Josephine Turner, Nayda I. Torres, Horacio Soberon, and Zeynep Copur, has been updated for the current tax season. It describes the advantages of filing a federal tax return, who must file a return, itemizing deductions, computing income tax rates, credits, payments, preparing and filing your return, recordkeeping, and where to get help. Includes references. Published by the UF Department of Family Youth and Community Sciences, March 2009.
http://edis.ifas.ufl.edu/HE817
FCS7009/HE153 Cutting Costs to Live Within Your Income
Revised! FCS-7009, a 3-page fact sheet by Josephine Turner, Michael Gutter, and Nayda I. Torres, advises families in making a spending plan and provides tips for reducing spending. Published by the UF Department of Family Youth and Community Sciences, February 2009.
http://edis.ifas.ufl.edu/HE153
FCS7012/HE156 Money and Marriage: A Spending Plan
Revised! FCS-7012, a 5-page fact sheet by Josephine Turner, Nayda I. Torres, Vervil Mitchell, and Michael Gutter, encourages couples to establish a spending plan and provides five key questions to keep in mind. Published by the UF Department of Family Youth and Community Sciences, December 2008.
http://edis.ifas.ufl.edu/HE156