FINANCIAL ARRANGEMENTS TO ASSESS THE BILLS
Independence may be the key word in a dual-account approach. This approach balances responsibility and independence, which to our way of thinking, should be a primary goal of all your financial arrangements.
Attractive as this method may seem, there are pitfalls. The first is that bills must be divided fairly. That is, each of you should be assigned bills commensurate with your income. This means regular reviews of bill assignments and possible adjustments to account for any changes in income.
Just as one person's meat is another person's poison, so, too, one person's nonessential expense can be another person's necessity. Because no one else possesses precisely the same combination of characteristics, needs, priorities, and circumstances that you do, some expenses - perhaps many require careful consideration. It's important to be honest with yourself about what's really necessary, and not simply something to which you're accustomed.
An expense is considered borderline or debatable when, due to circumstances or life situation, it cannot easily be dropped into either the essential or the nonessential category. Borderline expenses may be nonessential in themselves, but you may be nearly finished paying for something with no hope of regaining your investment. They may be debts owed to people you can talk into waiting a little while longer for repayment .
For the next few days, you may want to keep a notebook and jot down items that you didn't think to add to this list.
(Those items could include the toll you always pay on the way to work, the laundry money you always toss in a jar so that you'll have it when you need it, or the drink that you have with friends every Friday night.) The more aware you are of where your money goes, the easier it is to keep your
expenses under control.
By the time you're through with this worksheet, you should have a pretty good idea of where your money is going, what you must include in your budget, and where you can cut back. You can reduce most expenses if you put your mind to it. The (l more you reduceexpenses, the more quickly you can improve your financial situation and get started down the path to financial freedom and creditworthiness.
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