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Statistics on Budgeting

Finace spreadsheets on desk with glasses, coffee, and pens. Man is pointing to a particularly important piece of information.

Budgeting isn’t always a comfortable topic, especially for people who are dealing with mounting debt or unpaid bills. Regardless of your current financial situation, understanding the financial landscape of American households can be an interesting and valuable insight as you travel along your own journey toward financial freedom.

A decade has passed since the Great Recession of 2008, but how much better have things gotten for American households?

A recent study by FINRA says it all depends.

A high number of Americans, 56 percent, have a significant fear of running out of money in retirement, yet less than half of those surveyed reported having an emergency fund worth three month’s savings.

These indicate a fundamental problem in the way we think about money and how we budget our finances.

As Dave Ramsey says, “Do you have too much month at the end of your money?”

If this sounds like you, you’re not alone. At CreditGUARD, we’ve seen tens of thousands of these cases.

This study also reported that just over half of respondents have a household budget. So, 44 percent of people are both living paycheck-to-paycheck and are doing so without a budget!

Also, less than half of low-income earners reported having committed to long term financial goals.

With student debt and credit debt on the rise, Americans’ ability to budget and save is diminishing. There is good news, however.

You can easily make some headway right now. Get started on your household budget today with our free budget calculator. Just plug in your income and expenses into our easy calculator to get a quick snapshot of your monthly finances.

With the economy on the rise, opportunity has increased and unemployment is down across the country. Regardless of your current money situation, there are ways of creating a better financial tomorrow. At CreditGUARD, we specialize in nonprofit credit counseling and debt management.

What does that mean?

It means that you can call us today at 1-800-500-6489 and have a confidential conversation with a certified credit counselor who can help you better understand your options and how you might go about solving your financial problems. Our debt management program can help lower or eliminate interest on your unsecured credit accounts, thus lowering the time should take to pay off your debt and work toward financial freedom.