She pointed at the longer
column. “This is the amount of money we need to spend on certain expenses each
month.”
Then, she pointed at the
shorter column. “And this is the money we have to work with each month.”
“But how do you figure out how
much money you need for everything?” David asked.
We all grow up hearing the same financial advice: Spend less, save more and invest early. While most of these words of wisdom ring true, there are lots of widespread money management tips that are actually false.
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In the age of plastic spending and mobile payments, it’s easier than ever to buy stuff you can’t pay for right away while supporting a lifestyle you can’t really afford. Let’s take a look at seven red flags that might mean you’re living beyond your means and the steps you can take to get back on track.
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If you’re like most Americans, you owe money toward a large loan. Did you know there are simple, but brilliant, tricks you can employ to lighten the load?
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Say your washing machine decides to suddenly quit on you and needs replacing. You’re now looking at an extra expense that can run anywhere from $350-$850 (or more). Where are you going to get that kind of money in a pinch?
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Many people overspend and rack up thousands of dollars in credit card debt to live a lifestyle they believe will make them happy, only to discover they are living beyond their means. This, in turn, adds stress and worry … causing unhappiness.
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Winter doldrums got you down? The empty calendar making you feel blue? Don’t pull out your wallet for some “retail therapy” just yet!
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Want to make 2019 the year you finally get debt-free?
Look no further than your computer screen! With nothing but internet access and a modest investment of your time, you can give your budget that extra padding it needs and get a head start on saving for a larger goal.
