| If you are short of money every month, or you | | | | much you need for a week, and do NOT go back |
| feel like you are digging yourself into a | | | | to the ATM after than, all those 20's here |
| hole, and now feel you need to work more | | | | and 20's there add up and so do the bank |
| hours or pick up a second job.. then STOP | | | | fees. |
| right there. | | | | |
| | | | Go through your credit card statements, and |
| You need to set aside a evening or better | | | | see if you can combine any of them for |
| yet, a Saturday morning, when you are awake, | | | | savings.. |
| and clear headed. List all of your current | | | | |
| bills and payments. Start by going through | | | | Especially watch the cash flow, write down |
| each one, and seeing if there is anyway to | | | | every day in a small notebook all your cash |
| make it less. | | | | purchases, including coffee, goodies, etc... |
| | | | |
| Try combining some bills, such as cell | | | | Add all of this up for a month, and you will |
| phones. These companies will quite often | | | | probably find enough savings, that you don't |
| give a "family" plan for cell phones, but you | | | | need to get that extra job.. get creative, |
| have to ask.. | | | | this will be your new job, and then see more |
| | | | of life, instead of it going by in a blurr |
| Walk more instead of driving, or organize | | | | from working 2 shifts.. |
| your errands to make less driving. | | | | |
| | | | Start plugging the leaks in your finances, |
| Watch those cash withdrawals, work out how | | | | and you will be in better control... promise! |