Have you ever taken a real heard look at where your money goes? After a series of setbacks, I realized that it was time to figure out why there seemed to be more month than money. Living paycheck to paycheck seems to be the standard way of living for many but it doesn't work for me. This is exactly why I need a budget!
This week, I examined all financial statements for the last six months to track my spending habits. Using an excel spreadsheet, I broke everything down into categories and used an average monthly amount to determine what goes out and what comes in. The financial picture it painted was no masterpiece but it has given the basis of a budget.
Do you have a budget?