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Offered by Jan Giuliano, Academy Mortgage – The Giuliano Team

The Giuliano TeamIn this world of hi-tech gadgets and systems that can help you get just about anything and everything your heart desires, the one thing that technology hasn’t done is help you save money. There are easy ways to spend it. There are systems to keep track of it, and maintain it. Yet in this world of instant gratification there is nothing instant about saving money; nothing to shorten the time it takes to achieve your goal.

However, you’ll never achieve any goal without starting.

  1. Figure out your net income per month. That’s the amount after all the deductions like taxes are taken out, or another way to say it is “your take home pay.”
  2. Do you know how much you spend on food, clothes, entertainment or your (total) car expenses? Make a list of categories, do your homework, and calculate how much you spend. You can find this from the card or bank statements you get each month. Once you have the categories, you can calculate per category per month and total expenses per month.
  3. What’s your goal? If it’s to buy a house then subtract your total expenses from your total net income. If there is money left over you have money to work with. If not, then you need to see where you’re over spending and see what you can cut back on or totally eliminate.

We have a budget form that might help you get organized so please contact Frank, Jan or Mitch today at 720-636-2409 or 720-636-2410.

**Please consult professional financial advisors for much more extensive advice.

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The Giuliano Team at Academy Mortgage Corporation