Do you ever get to the end of the month and wonder what you have spent all your money on? When you were paid you promised yourself you’d keep on top of your spending. You told yourself you would pay off the full amount owed on your credit card and start saving, but every penny has dwindled away?
Do you avoid looking at your bank balance through fear of getting that sinking feeling, knowing you’ll have very little left. Do you stress over how much you owe but keep spendin?
If so, it’s time to budget and be in control of your finances.
But how do you do that? It’s not that difficult to come up with a plan in your mind, the hard part is sticking to it and resisting spending too much on unnecessary items.