Oprah has a good system on her web site. It explains how much you should be spending on rent/mortgage, transportation, etc.
You may find that if the money is in your checking account, you spend it so it may be good to put a certain amount away in savings first thing everytime you get paid. Whatever you can afford is fine – even if it's just $10. Aim for 10% eventually, though.
Before you buy ANYTHING you don't need, write it down in a little notepad (just keep it with you) and wait 24 hours. Then think about it. If you still really want it AND HAVE THE MONEY AVAILABLE, maybe buy it.
Cut up your credit cards except one that you keep for absolute emergencies (but you may not want to carry it with you).
Keep track of all your expenses so you can balance "real life" against a budget. Come up with a realistic budget and stick with it.
Unfortunately, there's no quick answer. It's just being really consistent.
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Oprah has a good system on her web site. It explains how much you should be spending on rent/mortgage, transportation, etc.
You may find that if the money is in your checking account, you spend it so it may be good to put a certain amount away in savings first thing everytime you get paid. Whatever you can afford is fine – even if it's just $10. Aim for 10% eventually, though.
Before you buy ANYTHING you don't need, write it down in a little notepad (just keep it with you) and wait 24 hours. Then think about it. If you still really want it AND HAVE THE MONEY AVAILABLE, maybe buy it.
Cut up your credit cards except one that you keep for absolute emergencies (but you may not want to carry it with you).
Keep track of all your expenses so you can balance "real life" against a budget. Come up with a realistic budget and stick with it.
Unfortunately, there's no quick answer. It's just being really consistent.
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