Overspending
79% of Americans with a budget say they have difficulty maintaining it. For many, overspending is a result of an unhealthy relationship with money.
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Tag Budget
Save Money FAST
You made a budget and realized you need to cut your expenses asap! When you make a modest salary, it can be hard to find places to reduce your spending. Lucky for you, I know the best ways to save money fast. ☺
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Budgeting: Discretionary Spending
I used a relaxing picture with palm trees and lounge chairs to illustrate this post intentionally. ☺ In other posts, I discuss how our emotions can influence the way we spend money and relate to money. Calculating your discretionary spending could be another eye opening experience.
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Budgeting: Variable Expenses
Now that you identified your fixed expenses, budgeting for variable expenses is the next step. In this case, "variable" refers to costs that change or differ from month to month. Likewise, these costs could also be quarterly, semiannual or annual expenses.
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Budgeting: Fixed Expenses
However, you need to breakdown your spending in order to find areas where you can reduce your costs. Let's start by looking at fixed expenses.
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