Tired of living check to check?
Now is the time to get the most from your money.....
First, let's start by creating a budget:
*Write down the money you receive every month (all sources).
*Then create a list of your expenses, everything you pay each month.
(be sure to include any miscellaneous items)
*Once you have created each list, you will be able to see how much you earn and how much you spend on a monthly basis.
*Review these lists to see where you can begin to make cuts...
YES, even if it means cutting back on the coffee and bagel 5 times a week.
*Seeing where to make cuts will show you what you need and what you can do without.
*Your penny-pinching list will serve as a guide to decreasing your expenses, one step at a time.
*Now that you see what you can live without, you can begin saving money.
*Place nickels, dimes, pennies, and yes even dollars that you would have spent into a jar or separate account and watch it grow.
*Challenge yourself by setting a timeline to see how much you can save in a specific period of time....
2 weeks, a month, 3 months, or even a year
*You will be surprised at how well you will do once you apply yourself.