It’s easy to get caught up in the urgency of the moment and overspend. The problem is, when it becomes a habit, you will find yourself unable to achieve financial freedom.
Even worse, many people who are living beyond their means aren’t fully aware they’re doing so. Not sure if this is you?
Instead of fearing your bank account balance, look at your bank account daily. See where your money goes.
Create a budget based on your income and essentials. Make sure you set aside money for utilities when you get paid.
Start tracking your spending. Whether you write down your spending in a journal or a spreadsheet on your computer, log where your money goes.
Create a plan today to pay off more than the monthly minimum. Put away your credit cards until you get your balance back to zero.