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I am seriously the most anal person about my money... i should probably be a financial planner for ppl who need help budgetting but those ppl probably couldn't afford it if they need help with money management... this following list is for ppl who are having problems with it... yay! i get to ramble...
First step: For one month, keep every single receipt you get and write down all your expenses in detail, EVERY single time you spend any money. then keep track of all your earnings in detail. at the end of the month add it all up and analyse it.
Second: never just have one account. its amazing how many ppl only have say a checkings account and wonder why they can't save... Figure out your budget as best as you can... then get a savings account that charges you for withdrawls over a certain limit every month, and a second checkings account just for monthly scheduled bills only. You are not allowed to spend anything on the savings unless it's an emergency. Consider any money in savings as gone... not there.
steps 3 & 4 coming up next!
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