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The Water Cooler
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Tips to save a dollar
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<blockquote data-quote="Pstmstr" data-source="post: 4160608" data-attributes="member: 51164"><p>I’ve found most people I talk with don’t know where there money is going and spend what they have on things they may not need. I usually recommend a paper budget with BOTH husband and wife sitting down together to plan what they will spend the next month. After that I use an app called Every Dollar to budget and track expenses. It free to use if you make manual entries and there is a subscription if you want automatic downloads from financial institutions. Knowing where your money is going is a great first step.</p><p>Cutting out unnecessary expenses is the next step. I see $300 cable bills, $400 cell phone plans, over $1000 a month eating out, and the list goes on.</p><p>It is very easy to get into debt and it requires a mindset change and self discipline to get out. I’ve been there myself and wish I was smarter with money back when I made a lot more. PM me if you just want to talk anout it. Personal finances are just that. Many people become ashamed of their mistakes and what I’ve done in the past is ridiculous. There is hope for those who want to change their paycheck to paycheck rat in the wheel life.</p></blockquote><p></p>
[QUOTE="Pstmstr, post: 4160608, member: 51164"] I’ve found most people I talk with don’t know where there money is going and spend what they have on things they may not need. I usually recommend a paper budget with BOTH husband and wife sitting down together to plan what they will spend the next month. After that I use an app called Every Dollar to budget and track expenses. It free to use if you make manual entries and there is a subscription if you want automatic downloads from financial institutions. Knowing where your money is going is a great first step. Cutting out unnecessary expenses is the next step. I see $300 cable bills, $400 cell phone plans, over $1000 a month eating out, and the list goes on. It is very easy to get into debt and it requires a mindset change and self discipline to get out. I’ve been there myself and wish I was smarter with money back when I made a lot more. PM me if you just want to talk anout it. Personal finances are just that. Many people become ashamed of their mistakes and what I’ve done in the past is ridiculous. There is hope for those who want to change their paycheck to paycheck rat in the wheel life. [/QUOTE]
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