Sunday, December 9, 2012

I spend what???

~ Track monthly expenditures to categorize on a spreadsheet
~ Add monthly payments towards loans or credit cards
~ Use your debit card instead of cash so you will know where you spend your $$$
~ List seasonal items like heating bills, tax payments, gifts, vacations
~ Enter the monthly amount put towards savings or retirement
~ Use a calendar to keep track of when bills are due
~ Use available customizable budget software instead of creating your own
~ Pay bills on payday to make sure you can cover them
~ Use the envelope system for items you normally splurge on - When it's gone, it's gone
~ Create an automatic withdrawal for savings

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