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Name: Bill   Title: Low Cash Flow

My wife loves getting out for dinners and such, however, at this time we are having cash flow problems. How can I get her to understand that we need to be careful with our spending right now.

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Name: Eva R.

This is an ongoing problem, budgeting is something we have to constantly keep on top of. No easy fix. I would like to recommend you take the ''How to budget'' class from consumer credit counselling. The work to reign in the spending is serious, start by tracking spending tracking makes one more aware of where the money goes. then you creat a budget based on what you have spent on items taken from the tracking you have done. good luck.

Name: Anthony

Write a list of your monthly bills in order of importance (rent/mortgage; etc.). List how much each of these items costs. and then add up the list starting at the most important bill and adding the next important until it adds up to your total net income . Then you must eliminate everything else on the list which might include things like eating out, new clothes etc. This should help once she sees it in writing.