First of all, you cannot change the way you spend money overnight and make it better.
So you need to start small, make small changes to how you spend money where you spend less money and save more money.
Gather Your Liability Slips
Grocery receipts, slips of payments you make every month or a few times a month. These slips should give you rough estimations of how much you should spend on what. You should be able to see how much you need to put aside for insurances, groceries, rent etc. After doing this process you will be able to see how much money you have left to spend on other things that are not as major.
Make Use of Your PC
It would be advisable to list and do all your calculations on a computer or PC. This will make it easier and faster to calculate everything. There are programs that can help you to list and that will give you more accurate amounts. Include how much you want to save, monthly, in your budget. Adding things like how much airtime lasts you a month may be added to your budget.
Be sure to be truthful with yourself in checking where you are spending too much or too little in certain areas. Remember to always stick to your budget and not to over spend. Avoid buying expensive things when you don’t really need them. Use whatever money is left after meeting your budget to invest and save to benefit you in the near and far future.
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