If your car broke down tomorrow, would you be able to pay for the repairs? What about your washing machine or air conditioner? If you are living without an emergency fund, you are living like a gambler. You may be okay for a while, and not have any emergencies, but trust me, one will come…
Starting to budget is not an overly complicated process, but it can seem a bit intimidating if you haven’t done it before. Maybe you are scared to see how much you spend every month, or think it will be too hard to get organized. Don’t worry! Just take it one step at a time, one…
When you live on last month’s income, the benefits are endless. You will only be budgeting the money you already have, you will have a built-in buffer to never overdraft and you will have peace of mind knowing there is an entire month’s income in savings. When you are tired of being stressed out living…
When you are putting together your budget for the month, the first thing that goes at the top is your total income. If you have a job that pays you twice a month or if you have irregular income (self-employed), this is a number that can be unpredictable from month-to-month. This puts you in a…
