The best way to keep yourself out of debt is to build up an emergency fund to cover unexpected expenses. Imagine what that month-to-month success would feel like – Seeing and tracking progress is one of the major factors that motivate us to keep moving forward without giving up! Each month, write down your new debt number and how much you’ve paid off. Keep track of your debt reduction progress over the course of a year. This could be a tough truth for some to face, but remember this is the starting point, not the finish line. The first thing you should do is calculate your total debt load. This couldn’t be truer when it comes to paying down debt. One of the biggest tools for success, one of the best ways to keep yourself motivated and achieve your goals, is the ability to track your progress. Find your starting point so you can reach the finish line. So, if you think you could benefit from using a planner to help you plan your days and your money in the same place, let me show you how: How to Budget your Bills using a Budget Planner: 1. I realized that it was silly to keep my daily, weekly, and monthly life plans in a completely separate place than my budgeting plans. What do the following list of typical monthly plans and errands have in common: When I started sitting down for a monthly Budget Night, it didn’t take me long to realize something… let me show you. I have always used a planner, but a money saving budget planner was something that I needed to try out and see if it was worth using.Ī good personal finance budget planner should allow you to do 2 things: plan your days and your money in the same place. Being debt-free, and living happily within your means is something everyone wants to accomplish! Since I began my journey of financial freedom a decade ago, one little thing (well, I guess it’s actually a BIG thing when you think about it…) that has bugged me is the lack of practical tools for the everyday person trying to get their budget and their daily plans figured out at the same time.
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