One way to sabotage your financial goals is not to have a budget. Or if you do have one, you don't follow it.
It doesn't take a Ph.D to prepare a budget. A simple list of income, payments, and expenses is all that is needed.
It is from this list that you can see if you are spending too much. It is here where you can see where you can save.
It may take a week or two months, but it will require keeping invoices or receipts for everything you spend.
List them in a notebook, or a spreadsheet, or a computer program, or an app. Get a handle on your money until you know exactly where everything is going. Keep track of everything to the last penny--- what and how much.
With your list, you will know your expenses: what you are spending on how much.
Analyze your expenses. Go through it like a fine-tooth comb.
Can you reduced your expenses? Can you eliminate any spending? Cigarettes, alcohol, gambling? Eating out? Coffee?
Can you see where you can save?
I started documenting my hand-poured silver bars late last year about 7 months ago.
In case you interested...
Hand-poured Silver Bar No.59, No. 58, No.57, No.56, No.55, No.54, No.53, No.52, No.51, No.50, No.49, No.48, No.47, No.46, No.45, No.44, No.43, No.42, No.41, No.40, No.39, No.38, No.37, No.36, No.35, No.34, No.33, No.32, No.31, No.30, No.29, No.28, No.27, No.26, No.25, No.24, No.23, No.22, No.21, No.20, No.19, No.18, No.17, No.16, No.15, No.14, No.13, No.12, No.11, No.10, No.9, No.8, No.7, No.6, No.5, No.4, No.3, No.2, Hand-poured Silver Bar No.1.
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