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