SIMPLE WAYS TO KEEP A BUDGET AND LIVE WITHIN YOUR MEANS

NEVER GO GROCERY SHOPPING HUNGRY. STUDIES

SHOW THAT YOU ARE MORE LIKELY TO OVERSPEND

SLEEP ON IT BEFORE YOU MAKE PURCHASES.

THIS WILL KEEP YOU FROM MAKING IMPULSE BUYS

BEFORE YOU EVEN PAY THE BILLS, TAKE 10%

OF YOUR INCOME AND PUT IT IN SAVINGS

BEFORE YOUR BUY ANYTHING, CALCULATE HOW MANY

HOURS IT TOOK YOU TO EARN THAT AMOUNT.

THIS IS ANOTHER WAY TO AVOID IMPULSE BUYS

KEEP ALL OF YOUR RECEIPTS OR MAKE YOUR OWN

AND AT THE END OF THE DAY LIST YOUR EXPENDITURES

AT THE END OF EACH MONTH YOU CAN TRACK YOUR

SPENDING AND SEE WHERE YOU CAN ADJUST IT

CREATE GROCERY LISTS BEFORE YOU GO SHOPPING

AND ONLY BUY THE THINGS ON YOUR LIST

PAY OFF YOUR CREDIT CARD PURCHASES

WITHIN 48 HOURS

BEFORE YOU BUY ANYTHING, ASK YOURSELF

IF YOU REALLY NEED IT OR IF YOU JUST

REALLY WANT IT