<div style="margin: 12px 0px; font-family: arial; color: #333333; background: #ffffff; border: solid 4px #e5e5e5; width: 100%; clear: left;"><div class="CM_CTB_Content_Wrap" style="margin: 0px; padding: 0px;background-color: #ffffff;"><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content.clipmarks.com/blog_embed/68bf524b-7771-4a43-a3cc-ed96b3df2691/EC64CB32-03F9-4E7D-938A-492961BA2304/" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget.htm" href="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget.htm" style="font-size: 11px;">money.howstuffworks.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget.htm"><SPAN class="articleTitle">10 Tips for Staying on Budget</SPAN></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget.htm"><SPAN class="articleTitle">10 Tips for Staying on Budget</SPAN></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget.htm"><H1><SPAN class="articleTitle">10 Tips for Staying on Budget</SPAN></H1></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget.htm"><P class="articleByLine">by <A href="http://money.howstuffworks.com/personal-finance/budgeting/hsw-contact.htm">Sarah Siddons</A></P></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget.htm"><P>You have a big expense coming up. You need a better <A href="http://auto.howstuffworks.com/car.htm">car</A>, or a bigger <A href="http://home.howstuffworks.com/house.htm">home</A>, or you w­ant to go back to <A href="http://money.howstuffworks.com/college-savings.htm">college</A>. What do you do? Borrow, borrow, borrow -- right? Well, maybe not.</P></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget.htm"><P>­If you've created a budget, you know exactly how much money you have coming in, and how much is going out. You can make some plans concerning that big expense. But if you don't have a budget plan, you probably don't have a very good picture of your finances, and you may be tempted to borrow more money rather than squeezing all you can from your income. It's definitely better in the long run -- for you and for your money -- to have a budget.</P></blockquote><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content6.clipmarks.com/images/clip-icon.gif" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget1.htm" href="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget1.htm" style="font-size: 11px;">money.howstuffworks.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget1.htm"><H1 class="articlePageTitle">1. Focus on Savings</H1></blockquote><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content7.clipmarks.com/images/clip-icon.gif" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget2.htm" href="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget2.htm" style="font-size: 11px;">money.howstuffworks.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget2.htm"><H1 class="articlePageTitle">2. Use Cash</H1></blockquote><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content8.clipmarks.com/images/clip-icon.gif" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget3.htm" href="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget3.htm" style="font-size: 11px;">money.howstuffworks.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget3.htm"><H1 class="articlePageTitle">3. Cut Bad Habits</H1></blockquote><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content9.clipmarks.com/images/clip-icon.gif" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget4.htm" href="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget4.htm" style="font-size: 11px;">money.howstuffworks.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget4.htm"><H1 class="articlePageTitle">4. Share the Responsibility</H1></blockquote><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content6.clipmarks.com/images/clip-icon.gif" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget5.htm" href="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget5.htm" style="font-size: 11px;">money.howstuffworks.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget5.htm"><H1 class="articlePageTitle">5. Pay Down Debt</H1></blockquote><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content8.clipmarks.com/images/clip-icon.gif" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget6.htm" href="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget6.htm" style="font-size: 11px;">money.howstuffworks.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget6.htm"><H1 class="articlePageTitle">6. Keep Your Receipts</H1></blockquote><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content9.clipmarks.com/images/clip-icon.gif" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget7.htm" href="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget7.htm" style="font-size: 11px;">money.howstuffworks.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget7.htm"><H1 class="articlePageTitle">7. Balance Your Checkbook</H1></blockquote><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content7.clipmarks.com/images/clip-icon.gif" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget8.htm" href="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget8.htm" style="font-size: 11px;">money.howstuffworks.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget8.htm"><H1 class="articlePageTitle">8. Analyze Your Spending</H1></blockquote><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content8.clipmarks.com/images/clip-icon.gif" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget9.htm" href="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget9.htm" style="font-size: 11px;">money.howstuffworks.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget9.htm"><H1 class="articlePageTitle">9. Special Accounts</H1></blockquote><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content9.clipmarks.com/images/clip-icon.gif" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget10.htm" href="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget10.htm" style="font-size: 11px;">money.howstuffworks.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://money.howstuffworks.com/personal-finance/budgeting/10-tips-for-staying-on-budget10.htm"><H1 class="articlePageTitle">10. Be Flexible</H1></blockquote></div><div style="margin: 0px 6px 6px 4px;"><table style="font-size: 11px;border-spacing: 0px;padding: 0px;" cellpadding="0" cellspacing="0" width="100%"><tr><td style="background:transparent;border-width:0px;padding:0px;">&nbsp;</td><td align="right" style="background:transparent;border-width:0px;padding:0px;width:107px" width="107"><a href="http://clipmarks.com/share/EC64CB32-03F9-4E7D-938A-492961BA2304/blog/" title="blog or email this clip"><img src="http://content6.clipmarks.com/images/c2b-foot.png" border="0" alt="blog it" width="107" height="17" style="border-width:0px;padding:0px;margin:0px;" /></a></td></tr></table></div></div>

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