Having a spending plan or a budget (the technical name for a monthly spending plan) makes life so much easier because you’ve given yourself a guide to decide how you want to spend your money.
Ironically, it’s also one of the things that you’ll likely never learn in a class at Cambridge or Harvard.
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Here are 9 steps and 8 self-study assignments, some catch-up homework if you will, from the school of common cents that you can challenge yourself with if you want to : When is the last time you only used cash to pay for your purchases?
Debit and credit cards help many people develop bad money habits and the fine line between what they can afford to pay for and what they can afford payments on blurs.
If there’s an expense you want to cut out of your budget, start by reducing it by half.
This will tell you if you can stick it out for the long term.
When you’re worried about your debts and you’re trying to decide on the best way to solve your financial problems, many people start to wonder if they missed something as they went through school.
As adults we’re expected to know how to manage our money properly.