Many of us felt we grew up some during the course. It's not easy to say no to ourselves. But the satisfaction of taking control of our money outweighs the downside.
Here are some tips to get you started:
Plan for the next month based on how much income you will be bringing in. Limit spending to what you make. Budget 8% to 10% of your net income for unexpected expenses, and set aside an amount to repay your overdraft.
Write down all expenditures.
Save your credit card receipts and reconcile your statements. One in ten people finds mistakes on his or her VISA bills.
Plan your meals for the week and make a shopping list based on that plan. Shop at a discount grocery store, and don't deviate from your list.
Use cash whenever possible. It helps you keep control of your money.
Bank on-line to take advantage of higher interest rates and lower fees.
To learn more about the minusPLUS Overcoming Overdraft courses and private coaching, call 054-788-8760 or send an email to: [email protected].
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