Monthly Family Budget

Monthly Family Budget Created in 5 Simple Steps

Updated 2019

Creating a monthly family budget is a challenging job. It takes time to master the skill of balancing cash inflow and cash outflow. Yet, this is a very important task to control our finances, if not, it would be otherwise.

Sit down for a few hours to think about the things involved in budgeting. Good planning is the key to create a successful household monthly family budget. But, execution is the best way to overcome the challenge and find your way to financial stability.

To be able to make it possible, even if how demanding it seems, break it into a simple method. And, get started. So, let’s get the ball rolling!

Easy Steps to get you started

STEP #1: Determine your goal., Inc. Setting a goal is a very important step. This creates the map on where the plan is going. For whatever reason you have in mind, this becomes your lead. And your motivation in sticking to the monthly family budget for the family.
Also, it must be specific, measurable, accurate, and realistic and, time-bounded – SMART.
Writing your goal will also help you get focus and reminded of your goal.

STEP #2: Select the budgeting style that fits you.

Photo by NeONBRAND on Unsplash 1

Photo by NeONBRAND on Unsplash

Recording your cash inflow and outflow using a pen and paper are still common today. Using an accounting ledger, you can write down the ins and outs of cash. A working calculator is also needed to help you in the computation.

Though manual is still an accurate way to notate income and expenses. An electronic budgeting software will make your job a lot easier with fewer errors too. Visit to sign up and create an account for a budgeting tool.

STEP #3: List everything that affects budgeting

Photo by Dose Media on Unsplash

Photo by Dose Media on Unsplash

U.S News and World Report suggest separating the incoming and outgoing. Anything that has something to do with the finances must be included. Like income statement, bills or receipts must be listed and categorized. Get the total of the incoming amount as well as the outgoing. At this point, you will be able to determine which amount is higher.

In most cases, income is smaller compared to expenses, hence budgeting will come in.

STEP #4: Study and check the expenses.

Photo by Lonely Planet on Unsplash

Photo by Lonely Planet on Unsplash

This step will help you determine the specifics of the outgoing category. It includes utility bills, mortgages, and credit cards. Also, another necessary spending like food and clothing needs review.

Draw your attention to optional spending. That is usually incorporated into your necessity, like expenditures for recreational activities. Keep an eye on this subcategory since it will go up fast without us being aware consciously. It is wiser to control this spending as this is the only option that you can divert money to pay off debts.

Control and be mindful.

STEP #5: Debt pays off.

Photo by Matthew Kwong on Unsplash

Photo by Matthew Kwong on Unsplash

Most of us want to become financially free. That is the reason for budgeting with the hope of getting out of the rat race. The way to make it happen is to pay debts each month, at least. But, if you’ll pay higher than that, it will decrease the debt and makes interest lesser.

College to Career

As a new graduate, you might not know what your next step should be. Check out Transitioning from College to Career: A Guide for New Grads by our friends at Groom and Style.  Part of your monthly family budget should include planning for your future.  This guide is an outstanding resource to prepare young adults in the “real world.”

Monthly Family Budget Final word

Monthly family budgeting is a mixed-up, but it doesn’t say it is difficult. Self-discipline is a key to make budgeting work easier. We just need to live on by our means. Getting aware the real value of how much we only earn and spending only within it.

Do not spend beyond your capacity in order not to blow up.

By knowing our income, liabilities and the outflow of the money, we gain control over our finances. The challenge though is to decide which one to sacrifice to cut or minimize to live within what we earn.

In cases of payments are still much greater than the inflow, extra income can be a solution. Or, you can find your way to a free credit counseling service for a more informed decision you can make.

Nothing is impossible if you believe and act on it.

What do you plan on doing to create a monthly family budget? Share in the comments below so that we can learn from one another.



Tips on How to Make Money At Home, Be a Transcriptionist

You can earn money while you are in your home. Convert your idle time into cash instead of watching TV, computer games, or doing nothing. Why not give a try, become a freelance or full-time transcriptionist at the comforts of your home. And earn a comfortable living.

What is Transcription jobs?

photography of woman using laptop

Photo by Christina Morillo on

Basically, this is a kind of gig where you scribe a live or recorded speech. Its goal is to convert audio scripts into written or electronic text document. Common examples of this jobs are transcribing a physician’s recorded voice notes. People doing this are called or medical transcriptionist.

In court hearing or proceedings, they are otherwise referred to as legal transcriptionist.

Being a professional transcriptionist is not an easy job or a get rich quick scheme. Yet, this is quite a rewarding Gig compared to other available online opportunities. All you have to do is to uncover the secret of how to become successful in this field.

The key: Learn and practice the skills required.

Here, we will divulge some tips on how to make money being a transcriptionist.  Also, we aim to clear some misconception about this job.

text on shelf

Photo by Pixabay on

Tip# 1. You need to have enough training.

It is a real misinformation when people say that training is unnecessary. Getting general transcription job is as challenging as any other task not known to you.  Even you are good at typing and listening skills. Proper training is important. Because being a transcriptionist it involves much more typing job.

Here are things that you need to master.

    • You should know how to format right each type of transcription.
    • Learn on how to use the time coding, proper use of grammar like dash, comma, ellipses.
  • You should be equipped to know proper notation of poor audio.

Knowing these things gives you a better idea of how to qualify and become effective in this job. Someone needs excellent training to succeed in this field.

Tip #2. You need to be an intelligent marketer

Being an intelligent marketer is not at all about you. That you have a strong sales person personality. More than the skills of a sales agent, a multi-level marketer, and other offline salespeople. It works like sharing your skill to market your potential

Bear in mind that all businesses need someone who can do the job right, and this requires skills. And getting that edge, the higher is your chances of getting success. Sell your capabilities out, as this is one route to get yourself a high paying job.

Tip #3. You should choose the company that can provide high paying rate

Do not waste your time and effort to the company who are at a low paying scheme. It will surely end you up with great frustrations. You need to spend time seeking the big box company that can provide high paying gigs. Our goal is getting a job that can make our living comfortable so the right choice of company is very important.


There is always an opportunity to earn a decent income. And landing a job as a transcriptionist and a typing job is just one of those. Yet, we need to follow the above given tips.  For a greater chance of successfully going to a better pasture.

Always remember to gain an excellent training. All in listening, typing, grammar and correct notation to get the right company. Master to market your skills and show self-confidence at all the times. And finally, try to research the company first if they can provide for your financial needs.  As well as if you fit their requirements. Becoming transcriptions and earning at home is such a great opportunity that we all can enjoy.



7 Myths About Becoming a General Transcriptionist

3 Secrets of Transcriptionists Who Actually Make Money

Making money from Action Class lawsuit

Only a few people know that there is a potential money to earn in action class lawsuit or settlements. If you have experienced buying products that don’t meet the standard. Like inconsistency of the information written on the label. Then you are entitled to demand settlement.

If you will not demand an action class lawsuit against the company somebody will do it. And you will miss a chance to earn money from the settlement. If you are eligible to file a claim, do it now!

What is Class Action Lawsuit?

” In the simple definition of class action lawsuit is to permit a person or group of people to file a legal action. That is against the company on behalf of the larger group who have experienced similar cases.” – Action Class Cases.

Their aim is to sue the company for the wrongdoing. These are misrepresentations, allege fraud or defective products or services. That may cause harmful effects or damages of the end users.

sign pen business document

Photo by Pixabay on

How does it work?

For example, you and a thousand other customers bought a certain bottled juice drink. It was labeled to contain 350 ml of the liquid. Then later, you found out that the bottle of juice drink only contains 340ml.

In this case, the owner of the bottled juice drinks made a misrepresentation. You and thousands of customers were cheated.

What should you do?

Hiring a lawyer to sue the company? It’s impractical and very expensive, right?

Now, a class action lawsuit will make a case simpler on behalf of the average customer.

Here is a scenario…

Law firm usual payment is typically 25%. They will find more customers to initiate the lawsuit of plaintiffs. And then adds all affected parties as part of the “Class” —  buyers who have been cheated.

This is now considered a class action lawsuit.

activity board game connection desk

Photo by CQF-Avocat on

Where can you find yourself Eligible to file a claim?

You can scroll through Class Action Rebates. This is a website where you can tracks settlements. You definitely see if you are eligible to file a claim and you may also sign up to be informed of new cases by email.

Class action lawsuit may find some other places listed below:

How to File a claim for Class Action Lawsuits?

You can find three easy and simple steps to get a settlement in Class Action Rebates.

Step 1: Find the Products you Purchased. You can take a look at the list to find open settlements of your products purchased. You need to sure if proof of purchase is required and find out how much approximate payout will be.

Step 2: Fill out the Claim form- you can fill out online the settlement claim form. Provide necessary information like your name, address, and product purchased information. And then submit your claim.

Step 3: Get your check in the Mail. Once your claim has been approved they will immediately mail you the payment check. It will be sent over to the address you are provided.

Point of View

This time there are many kinds of Action Class lawsuit obtainable by the public. All you have to do is to file a claim and make easy money from the settlement.

Class action lawsuit can be a means of making money. Yet, be careful and don’t get the rush, thinking that you will make a living out of this. This is giving justice to your right as a consumer who did not get the rightful product or service. Yet if you are certain that a company owes you something. And will make you eligible for these kinds of Class Action Lawsuit settlements, claim it now!


Action Class Cases

Click and Collect: How to make money from Class Action Lawsuit

Class Action Rebates

Top Class Actions

Hustler Money Blog Top Class Action Lawsuits

Consumer Action Class Action Database


Want a Paid Out Dinner? Book a table with Seated Restaurant Now!

Booking a dinner table in a restaurant,  for two, or with the whole family may expensive

when it’s done often! But, getting a full pleasure of dining out gives us many reasons to get a reservation, tonight.

Well, you will be convinced even more if you’ll have this reservation app for restaurants! Let us introduce to you to Seated (if you have not known it yet ). It is a “discovery” app that gives more than what you have asked for.

And, what is it for?


This is as interesting as the food served hot in those restaurants listed in this app. And this gives you more reason to enjoy life to the fullest. A reward awaits to any user for dining in some fine diner in your place who uses the app in booking a reservation.

Seated is inspired to help local food-lovers to go into your nearest district. They want you to experience the culinary grace by giving out enticing rewards. It has been active in several cities across the United States.

To keep its users, an incentive program for each reservation, paid through a reward system. The company has several affiliated companies where you can claim your award. It may range from $10 to $50 for every reservation and has a bill minimum requirements.

It may vary from one restaurant to another, from the discretion and ordered size or scope.

In a nutshell, it depends on how much you are billed.

There have partnered with Amazon,  Lyft, and Starbucks where you can enjoy the perks they got for you.

How does it work?

Step #1: Download the Seated App which is available on iOS and Android.

Step #2:  Catch the best restaurants that serve mouth-watering dishes in your city.

Step #3: Select your $20 to $40 or more per reservation reward credits from partnered companies. With a minimum spending requirement.

Step #4: Book a table for dinner and eat.

Step #5: Let the host know that you have booked with Seated to get your reward. Then, take a photo of the receipt and upload it to the app. This is a confirmation that you have actually spent a certain amount excluding tax and tip.

Step #6: Wait for the reward to be credited to you once reservation is completed. It would take around 24 hours.

Here are more and recent perks!

With the latest update:

  • Upon signing up, you will get a bonus of $5. And another reward of $5 on top of it for your first reservation if you download the app through a referral link.
  • Seated can help you book a dinner in over 500 restaurants in the US.
  • A $10 Referral Rewards Program, means that if you introduce Seated to someone you know. Then a bonus will be credited to your account for every new user referred. And of course who have completed the first reservation.
  • For group dinings, book with Seated to enjoy the earnings of $20 to $40 bonus credit for each person in the group. This still depends on party size. Do your research as this bonus might be more for other participating restaurants.

To get the latest update and restaurant choices, reviews and to learn more, visit this link.

Wrap Up

Well, it is pretty a great idea to be awarded for something that we usually do, like eating.  Savings come in different forms, indeed. And now, it includes booking a dinner table in a fine restaurant. It won’t just give you an awesome meal but also let you earn rewards.

Booking a dinner date for a family gets together has never been this easy and exciting! So, grab yours now and reserve for the next dining destination. Download and book now! To learn more about Seated, please click here.

Helpful resources:

Dine out and get paid in the process with the Seated restaurant app

This App Literally Pays You to Eat Out. Here’s How It Works

Need even more motivation to eat out? This app will reward you with Lyft credit

Seated Restaurant Reservation Rewards $5 Sign-Up Bonus, $10 Referrals and $20-40 Dining Credit



Making Money: Getting Paid While Watching Videos with These Websites and Apps

Now, we can say that our video watching time isn’t anymore unproductive. Since can get paid while watching them!

Is that for real? Aha!

Guilt no more with those feelings of spending too much time watching TV or videos for nothing. It doesn’t look as bad as you think. Because the moment sitting on the couch with a bowl of popcorn is now a new definition of a JOB. Not a waste of time, anymore!

There are companies that are willing to pay you to watch videos and TV. Well, this won’t make you super rich yet it gives you extra cash for something you love to do. Sounds awesome? And, yes it is!

Here are few but for real ideas on how you can earn watching videos online.

adult app blur bokeh

Photo by Bruno Cervera on

Option #1: Swagbucks Video

This app is on the top list. So far, they give the best reward scheme that a lot of people already trust participating with. You can earn bucks when you join as a user who watches different videos. This could be world news, sports highlights and others.

Sometimes, they pay you to watch sponsored videos.

Like most of the other companies in this kind of business. Once the points you have earned will reach the amount that can be withdrawn. You can cash them in for gift cards from affiliated companies like Amazon or Walmart. Or why not get it to cash out thru Paypal.

Option #2:Successbux

Earning cash nowadays comes in different forms! As simple as viewing videos and advertisements, cash is ready. At any time to be credited to your PayPal Account. It has a low threshold which means that you can transfer or withdraw funds with a payout amounting to $1.10.

Aside from watching videos, you can also get the chance to get paid by other means. Like to listen to the radio, answering surveys and browsing the webs. Also, they will pay you for some product you try out as well as if you refer a friend to do the same.

blur close up controller entertainment

Photo by Anthony on

Option #3: QuickRewards

This is a reward platform that users of videos from USA, UK, and Canada can take advantage from. Alongside from watching videos, another earning are reaped by taking surveys. Also through visiting websites, shopping, and playing games.

Payments are credited to your Paypal or voucher for Amazon, Walmart and Disney Store.

mokup smartphone technology phone

Photo by on

Option #4: Paid2YouTube

Get paid to watch videos on YouTube.  They give earning opportunities to anyone who likes to spend time watching videos. Though the pay isn’t high as you only get to be paid $0.005 per video,. So to earn more, you have to spend more time to get a much amount of cash.

But, if we look at it as part of the pleasure, it will always be a winning situation. As nothing is ever good to get cash for something that makes you relaxed.

flat screen television

Photo by on

Option #5: Inbox Dollars

This company gives you a reward by just watching television. Down from other activities such as shopping and taking surveys. It is their way to know the feedback or input from the customer. So, they would help businesses improve their services and products.

Inbox Dollars is paid by different brands to provide that information. So, they look for people who are willing to share their time, effort in exchange for a real cash.

Upon signing up, you will earn $5 bonus as a new user.

Wrap Up

Getting paid by watching videos is such an awesome hobby or an extra job. If you are not fond of watching videos or you are the other way around. Take the chance to earn out of it. This won’t need so much energy except for the time you have to spend sitting on your couch or while lying on your bed. Sound interesting way to get an extra dollar? Try them now!

Other helpful references:

21 Easy Ways to Get Paid to Watch Videos (and TV)


5 Best Get Paid To Watch Videos Sites