Smart Money Tip: Create A Simple Budget
We all have expected expenses that vary from month to month. Groceries, household goods, clothes, dining out, entertainment, etc. What I do when I feel like I’m spending too much in these categories is create a simple, selective budget to get this spending back under control.
DO THIS TODAY: Pinpoint the expected, variable expenses that may be causing you trouble. Try to reduce spending in those areas by 10-20% next month. Track your spending real time on paper or on your phone. You’ll be more mindful of your spending decisions as you get closer to your budgeted amount.