<object class="alignright size-thumbnail" style="margin: 5px;" width="390" height="300"> <param name="movie" value="http://www.youtube.com/v/fTqkkeG1xlw?version=3&hl=en_US&rel=0"/> <param name="allowFullScreen" value="true"/> <param name="allowscriptaccess" value="always"/> <embed src="https://www.youtube.com/v/fTqkkeG1xlw?version=3&hl=en_US&rel=0" type="application/x-shockwave-flash" width="390" height="300" allowscriptaccess="always" allowfullscreen="true"/> </object> We are going to talk about something that most people hate, budgets. The reason we hate budgeting is due to a lack of experience but with the <a href="https://download.cnet.com/s/free-youtube-downloader-converter/">youtube in mp4</a> download software you will learn how to get the most out of the money you earn. What you need to do is use a spreadsheet on your computer and write down all of the income, where it comes from and the dates it is deposited. Now you need to itemize your financial obligations, write all of them down including the due dates and interest rates.<br /><br />Now you need to make allowances in your budget for entertainment, transportation and emergency savings. What most financial experts recommend is "paying yourself first", this means when funds come in a portion of them automatically go to your emergency fund so there is no temptation to spend. If you have more debts than income you should look at ways to save money by either reducing the amount of money spent on discretionary items like clothing. If this does not provide enough savings then you might consider consolidating your debts into one installment. By learning how to create a family budget it will help you plan and prepare for the future and avoid financial hardships caused by money mismanagement.