“He who does not economize will have to agonize.”

– Confucius

Dear Friend,

A budget is like a roadmap—without it you won’t know where you are or in which direction

you are heading. In times like these, you can’t afford to have an uncertain financial picture.

Formulating and implementing a household budget isn’t as daunting as it may seem. This

month’s Item of Value will help you get your financial house in order. You will find valuable

tips to create a realistic budget, as well as a worksheet that will help you examine your

monthly income and expenses—the first step in creating a prudent monthly budget.

A budget is an integral part of maintaining healthy finances, but being smart with your

money is equally important. I’ve listed many practical ways you can save money on

everyday activities.

If you haven’t already, now is the perfect time to get your financial house in order.

Sincerely,

Cindy Ambueh

Oh, by the way®…if you know of someone who would appreciate the level of service I provide, please call me with

their name and business number, and I’ll be happy to follow up and take great care of them.