The whole family goes for serious money revamp:

• Separate fixed from optional costs.
• Make savings a fixed cost.
• Savings rate of 25% provides for education, retirement and insurance.
• To do this re-examine house and car indebtedness.
• Get rid of online banking, debit cards and unused credit cards.
• Limit internet purchases to solid sources only.
• Pay down monthly credit card balances.
• Invest only in well known, safe sources.

A Family Balance Sheet that Balances Can Lead to Balanced Wellness.

To see more on Family Balanced Wellness, see www.familycybermall.org.

Covenants available here and Family Balance Sheets available here in pdf.