If you find yourself going consistently over the budget, it is time to make some changes. Saving money doesn’t mean a radical change. Sometimes it just means scaling back on the things you already purchase. While it is good to treat yourself, setting boundaries will help you decide when to splurge and when to cut back. And you can start by keeping track of all the times you ‘upgraded’ or spent money on impulse purchases and compare it to your budget goal.
What if instead of getting a Venti Latte every morning, you scaled back to a Tall? Or maybe you brought your coffee to work a couple of days a week instead of waiting in line at Starbucks? It might sound almost unbelievable, but one small change could mean over $400 per year back into your pocket! Read More.