You knew at some point wed have to use the B word. That dreaded word that rhymes with fudge-it. Unfortunately, in order for you to successfully bury the debt monster and regain (or create!) financial independence, its necessary that you dont fudge your budget.
Budgets have gotten a bad rep because some people make them more complicated than they need to be, but theres no reason to lie here: having to account for your money is no where near as fun as spending it on anything whenever you want. You just have to decide if you are committed to eliminating debt or if youre going to let the b word scare you off.
Lesson 3: A Budget You Can Live With
When creating your first budget, or one that you are dedicated to live within, the first thing youll want to figure out is how much money you have each month after you pay all the necessary, monthly expenses.
Create a new list! This time, youll want to make a list of your monthly expenses. Include everything from your car payments to your rent or mortgage payments to utility bills and food. Some bills may only come every three months, and some bills may not be exactly the same each month, but make your...
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