Budget counseling is a program in which we will teach you sound methods of managing your money and credit to avoid financial problems.
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).
Act your own wage!
Look for ways of saving money on expenses and eliminating non-essential expenses (entertainment, cable, cigarettes, shopping).
Make the budget a family project. Everyone must be involved in order for it to work.