Women and Money

Why Budget?
Budgeting Myths
When to Start
First Steps
Picking a Budget
Budget Types
Better Budgeting
Next Steps
Helpful Hints
Couples & Money
Women & Money
Final Step

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Women actually make most of the money-based decisions in our world today. They make most of the choices about purchases, and most of the decisions about investments.

% of Purchasing Decisions made by Women*

	83% All Consumer Purchases
	94% Home furnishings
	92% Vacations
	91% New Homes
	80% DIY Home Projects
	51% Consumer Electronics
	60% Cars (Really it is 90% because they influence an additional 30% of the decisions)
	89% Choose which new bank account to open
	80% Healthcare

Women in the Work Force*

More than 66% of working women, and more than 50% of working wives, earn more than 50% of the household income. Women:

	Write 80% of all checks
	Pay 61% of all bills
	Own 53% of all stock

"Wired" Women*

Among women who use the Web (women who are "wired"), 83% are the primary decision makers on matters of healthcare, finances, and education.

* All of these statistics are taken from Tom Peters's book, Re-imagine!

Making the Best Decisions

	Use a budget Of the "5 Most Expensive Mistakes Women Make" (Sept. 1995, Working Woman Magazine), #3 is not using a budget. Assuming you current financial status is permanent Paying too much for convenience Not using a budget Waiting for the right time to save Fearing the wrong risk
	Take a new approach to budgeting In "Budgeting Tips for the New Year" (Winter 1997, Stages Magazine); the #1 Tip is to take a new approach to budgeting.
	Have the right frame of mind

Don't let fear drive your ability to take control of your financial life. Creating a budget can seem complicated, but the most effective budgets are simple. As in developing any new habit, take it step by step. The pay-off is big.

"Like success, money is an emotionally volatile issue for most women. It's probably the most complicated relationship we have—and the one that most controls our lives because we let it."

Sara Ban Breathnach, author, Simple Abundance

Next: The Final Step