Green Credit Accounting: A fictional life in middle America...
With so many job losses and savings running dry there is a need to save more on the day to day shopping and for some create a new channel of income that pays something today while waiting for the next events on the horizon...
Green Credit Accounting is a mindset for those who have crossed the bridge of need to underemployment. Many employers have tried to expand the number of jobs but at the expense of full time positions. The job losses have added a new pool of workers with no place to re employ with their skill set, tenure or income.
This leaves part time work at a wage that might be minimum. For this little sample how will the bills get paid if work available can only pay approximately $8.00 dollars an hour for maybe 15 hours a week - maybe bring home $500.00 a month. Green Credit thinking is to review your bill set, be sure to turn off services you may pay for but don't use. If you are displaced from your home - make the calls to your utility companies to prevent continued billing or late charges.
Some bills extend past your wallet. Car insurance is one of them. Quite often if your auto insurance lapses your license may get suspended without your knowledge.
Get a review ledger worksheet here and print it. List your obligations and see which ones make the cut of having value worth a struggle to keep.
Every Sunday there are shopping ads with coupons for food and products that get used everyday. Dollar stores sell large amounts of cleaning products and many other items for a dollar per item adding to the savings pile.
Click here to view, print or download a shopping list that can help plan shopping trips with coupons.
How much can you save can be a game for teaching your kids...
The message that lending to the public will stimulate the economy skips the ironic reality that it is the credit business that enabled so many to live beyond their income and ultimately lose what they own. Conversely employers can use credit rating as part of the hiring process. Managing your credit is appearing to be more important than managing your cash. When cash is removed from use - a logical move to help erase theft and the ability to work "off the grid" of government taxation - to name a couple - well managed credit will be king.
Netspend debit cards can be a great way to enable your kids to have access to money that you can monitor or add to as a parent - say for school in addition to online shopping safety. They can be purchased at many check cashing stores for those not online. Get to your local library and get online!
Living with less is not normal for a lot of families in America and yet living with less has been normal for many more. During this time of upheaval and change to a new generation these worksheets, knowing how to shop better and finding a job that can pay you today can provide some immediate income...
Get online at a local library.... Print this page and the worksheets and give them away...