Getting your family’s financial picture under control can have life-changing effects. It can help to alleviate stress, make daily living more fun, and provide long-term security, too. Taking the steps to get your finances under control can be a confusing process. In this article, we will discuss some tried and true tips that can get you on the right track.

If you are having trouble making ends meet during the winter heating season, then apply for the Home Energy Assistance Program (HEAP). This program will pay some or even all heating expenses to eligible consumers during the winter heating season (generally November – April). All energy companies are required to participate, so find out more by going to your energy company’s website.

Look for ways to cut expenses in your budget. One of big culprits these days are buying coffee from one of the many available shops. Instead, prepare your own coffee at home using one of the flavorful blends or creamers available. This small change can make a big difference in your personal finances.

To really be in control of your personal finances, you must know what your daily and monthly expenses are. Write down a list of all of your bills, including any car payments, rent or mortgage, and even your projected grocery budget. This will tell you how much money you have to spend every month and give you a good place to start when making a household budget.

When you make note of expenses in …