Take a close look. Look at every label and under every rock while you take take complete inventory of what you use and spend. Then look at what you can and cannot, or will not, live without. We all have our personal comfort zones, which should be tested but we do have our limits... I will tell you right now, I am not yet at the point where I will make my own toothpaste. You? But I am crazy with the coupons, that's a project I can manage. It fits who I am. There are so many ideas and suggestions out there for saving/managing our money, we can't possibly do them all. After you take that close look. What will change?
Prioritize and take action. (all you need is a spreadsheet with two columns. ( 1.- what we spend $ on/ 2.- negotiable or not?)
Once you have an accurate picture of your current reality, only then can you make lasting changes. Don't be another bad statistic.
1 comment:
It's true. I hate to say it but if you're somehow scared of money or have an aversion to financial matters, you really have to grin and bear it and rub your nose in it, so to speak. I call it the "festival of things I don't want to do." But I have made myself do it anyway. Over the months, you not only get used to doing it, but you also enjoy the pride that comes with living within a budget and making some progress.
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