Finances
POST NUMBER THREE! and hopefully stronger than ever
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| kids with money |
Have a suggestion? Email me at patriciasarduy94@gmail.com
I've learned over the years, that if I don't keep track of my money it disappears.
I'm in the phase of spending and then crying about my debt at the end of each month.
I am trying to build my credit, save money, and splurge at the same time. I've found doing this monthly helps.
Check how you can improve your credit through Credit Karma
The best part is that it's free. They give you all sorts of tips on how to get a better credit score
Do a monthly count of income and expenses
When I sit down and see my debt to income ratio monthly, I can try to fix it the next month.
I also like to see how much I spend on food (especially eating out)
Budget
I find setting a monthly budget (on things like groceries and etc.) helps me not overspend
Invest
I've recently started investing and I feel it helps me save money that I wouldn't have saved before
Open a Savings Account
This one is kind of tough. I am notoriously horrible at pulling money from my supposed Savings Account
What I would suggest it opening a savings account with a different bank
That way you are less likely to know you have the money
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