Budget Tip: Do you know how much you spend monthly?
A majority of people have no idea what they spend on a monthly basis. They get what they need or want but really have no idea how much money flows through their hands every day, week or month.
By budgeting you get a black and white view on where your money is going and then you can pinpoint where you could make changes if you feel you need to.
There is a simple downloadable budget excel template under the Checklists tab in the Resource Section with instructions (www.tipinions.com). It keeps a record of your debt along with a monthly budget, if that is something that would interest you.
That is the template I utilize monthly and have for years. I hope that it simplifies your monthly spending and gives you a clear picture of your spending habits.
