Wow, it has been a long time since I made a post! I am getting back to it now, promise. :) Ok, I am going to talk just a little bit more about....budgets. Yes, I know it's not the most exciting thing to talk about but once you have a "name on every dollar" (as Dave Ramsey would say), you will find you love to keep a budget more and more!
A budget is not only for people on a "limited income", not at all. A budget should be for everyone, and chances are, most wealthy people have a budget, stick to a budget and have become pros at keeping a budget--this is a step to obtaining wealth.
Where to start: Record everything you spend for one month. Every single dime. This will give you a guide in setting your budget. Before the next month starts, sit down and work out a budget. Here is a helpful tool.
http://www.budgetworksheets.org/
If you are married, sit down with your spouse and come up with numbers you can both be happy with. This will take a little effort and 'give and take'. If you can not agree on a number for a particular area, use one person's number one month and the other person's number the next and compare after 2 months. Which ever number worked better, use that one in the budget.
If you are married, agree to re-visit the budget every so often. Some people like to do it twice a year some like re-visit it more often.
Try it out and see how it changes your marriage and your money!
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