manage your money and keep your powder dry!

Women in particular need to focus on managing money matters more carefully than men, usually because women maintain ongoing daily needs of their family. Especially in these tough economic times a few simple steps can save money and improve their family's financial circumstances in the long run.

Step 1 - save the pennies (and the dollars/pounds will look after themselves)
Step 2 - buy necessity items and shop around for best value
Step 3 - look at your financial outflows (costs) an inflows (incomes) - keep a daily record for two months
Step 4 - aim to have incomes less than costs - if costs exceed income, either improve income or reduce cost
Step 5 - consolidate debt if possible and refinance same amount at a lower interest (borrowing) rate - get rid of credit cards---now !!!