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2014.9.3

A close examination of the household’s current spending habits shows that the family does demonstrate many wise financial decisions. However, a number of changes could still be made to further improve the family’s financial future.
Firstly, wise decision-making can be seen when the majority of the expenses is spent on those that are in need. Such expenses included the, telephone, mobile phone, internet, water and sewer, gas, home, health, fuel, groceries, medical, and child and family care. The few nonessential items included electricity, school tuition, movies, sport events, clothing and others. This suggests that the family is looking after their needs before their wants.
However, while there is strong evidence of sensible decision-making, additional adjustments have been suggested to better the family’s financial management. Firstly, it seems that the family did not consider the utility expenses in their budget. In order to help pay for these bills, I have therefore suggested that the family remove the non-essential items to provide for their needs. Furthermore, because the family has a reasonably large amount of money remaining at the end of the month, I have also recommended that a share of the available balance be spent in emergency savings and saving for a new car. This allows for both unexpected situations and a way to achieve financial goals. Finally, with the remaining $1400, it is suggested that the family put this money into a saving account where the money could earn monthly interest.
Hence, even though the family is spending their money wisely on necessary items, several adjustments could still be made to create a more ideal family budget.

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