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