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Mktonght · 61-69, M
The Dave Ramsay concept is good.
My best advise is to go to a quiet place and write down on a piece of paper all of the expenses you have that are "critical" rent, car payment ,loan payment etc. Then write down all of the other expenses you normally spend you money on, plus include saving ((at least 5-10% of your total monthly income) add these up and subtract from your monthly income.
If the expenses are greater then the income start looking at the non critical expenses and either cut them out or at least pare them down to be equal to or less then the income.
The tough part is disciplining yourself to stick to it.
My best advise is to go to a quiet place and write down on a piece of paper all of the expenses you have that are "critical" rent, car payment ,loan payment etc. Then write down all of the other expenses you normally spend you money on, plus include saving ((at least 5-10% of your total monthly income) add these up and subtract from your monthly income.
If the expenses are greater then the income start looking at the non critical expenses and either cut them out or at least pare them down to be equal to or less then the income.
The tough part is disciplining yourself to stick to it.