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How Get Back on Track When You’re Behind on Your Bills THEFINANCEBFF FINANCEGOALS
Makingabudgetiseasybutitrequiresa littlebitofworktostart. Whatyouwantto doistrackallyourexpensesforamonth ortwofirst. Imeanliterallywritedownor logeverythingyouspendmoneyon – from thatcoffeeyougrabbedfromdownthe streettoyourelectricitybill. Tocreate yourbudget, startwithyourincome, and thensubtractanyfixedexpenses. Now prioritizeanysavingsgoalssuchas vacations, retirementsavings, investing, etc. Make a Budget 06
Trim The Budget Onceyouhaveasenseofwhereyourmoney isgoing, itstimetolookforwaystosave money. Now, I’mnotgoingtoaskyoutogive upthefunstuff, atleastnotatfirst. Instead, I wantyoutofocusontheitemsyoumightbe overpayingforthatdon’tbringyouanyjoy. 08
Check Your Credit Report Whenisthelasttimeyoucheckedyourcreditreport? Nevermake themistakeofjustassumingyouhavegoodcreditbecauseyou makeyourpaymentsontimeoryoudon’thaveabunchofdebt Identifytheftisahugeproblemandthere’salwaysapossibility thatsomeoneusedyourinformationtotakeoutaloan, opena creditcard, orcreateotherdebts 17
Check Your Credit Report Inordertogetyourfinancesbackontrack, youneedtostopaccumulatingmoredebt. So lockyourcreditcardsawaywheretheycan’t temptyouanymore. Youmightthinkyouhave theself-controltouseyourcreditcardwisely, butchancesarethatifyou’rereadingthis article, you’realreadyintroublebecauseof yourcreditcard. Stop Using Credit Cards 14
Thisshouldbeyourtoppriority, especiallyifyoudon’thaveasolid emergencyfundyet. Makeitthe firstbillyoupayeachpayday, by havingasetamountautomatically transferredfromyourchecking accounttoyoursavingsDon’t eventhinkaboutthistransaction — justmakesureithappens, each andeverypayday. Make Savings Automatic 11
Thank You 07