What is the #1 to ensure your financial success?
A BUDGET!
While this word often conjures up visions of torture and long hours slaving away in front of a calculator, it really is not that bad.
Budgets get a bad reputation often because people equate them with deprevation.
But, really a budget is very freeing.
Once you know where your money is going it makes it so much easier to make decisions.
No money in your play account? That equals an easy “no” to a night out bar hopping. Instead you can suggest a game night at your house or a potluck dinner or a walk in the park.
No money in your education account? Well, I guess that course your were kinda sorta thinking about maybe doing will have to wait until next month (or later).
You get the idea.
Instead of saying “I don’t know” or ” I’m not sure” or “let me see if I can scrape together the money” you can give a definitive answer. And (BONUS!) most people will not argue with you when you tell them there is no money in the budget…or dedicated account… for that purchase.