How Often Does A 1 Month Old Need To Eat Why You Need a Personal Budget And to Stick to It

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Why You Need a Personal Budget And to Stick to It

About the budget

You say you know where your money goes and you don’t have to write it all down to keep track of it? I issue you this challenge. Track every penny you spend for a month and I mean every penny.

You will be amazed at how much the minute costs add up. Take the total amount you spent on just one unnecessary item in the month, multiply it by 12 for the months of the year, and multiply the result by 5 to get 5 years.

You could have saved that much AND collected interest in just five years. My friend, this is why we all need a budget.

If we can take control of the small expenses that don’t really matter in the general scheme of our lives, we can enjoy financial success.

The little things really do matter. If you cut the amount you spend on lunch from five dollars a day to three dollars a day, you’ll save $10 a week every workday in a five-day work week… $40 a month… $480 a year… $2,400 over five years. .. plus interest.

See what I mean…it’s really the little things and you’re still eating lunch every day AND it was just a place to save money in your daily life without doing anything you really need to. There are plenty of places to cut expenses if you look for them.

Set some specific long-term and short-term goals. There are no wrong answers here. If it’s important to you, it’s an important time.

Don’t write your budget the “old fashioned way”. When we make a mental budget, we usually have a flat number for something like food. Look at how much you spend on a weekly/monthly basis and ask yourself if you really need that much. If you’re spending $200 every two weeks on groceries alone, you might be asking yourself how you can significantly reduce that. Do you really need to go to Chipotle for lunch every day? Do you really need that Frappuccino from Starbucks every morning? You will find that you can give up bad habits and improve your health.

If you want to put a down payment on a house, start a college fund for your kids, buy a sports car, take a vacation to Aruba…whatever…then this is the goal and reason to get a handle on your finances now.

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