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Word Count: 599
Recently I have discovered that I have a problem that needs to be solved My crisis is that my monthly household expenses exceed my monthly household income In order to solve or alleviate this dilemma I have decided to approach this out of balance condition with thorough sensible reasoning and research in hopes that I can lower my monthly expenses Since I know for a fact that I cannot immediately increase my monthly income then I also know that I need to decrease my expenses in order to achieve more of a balance The first step in solving my quandary was to calculate my monthly household income That was easy enough to do by looking at my pay advices and all other direct deposit activity in my bank account The next thing I had to determine was where my income was going each month To do this I developed an excel workbook which would allow me to list all of my payees and the amounts that I normally pay to each of them on a monthly basis In conjunction with this spreadsheet I also had to log onto my online banking service so that I could capture expenses that were not of a regular monthly payment nature What I found in the analysis phase of my problem solving assignment was astounding I came upon large amounts of money being spent on miscellaneous items at Wal-Mart a large amount of e-bay activity and some various oddly recurring accounts that were actually un-necessary Now I was ready to start taking some action I knew that as a result of my analysis of the predicament the main solution was going to be that I needed to reduce my expenses Therefore I added an additional worksheet to my excel workbook that would allow me to further analyze my short-term expenses and long-term expenses By doing this I was able to see that there were certain payments that would not
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