Personal finance can be simple but not easy – at the same time. It’s all about implementing a plan and taking action. If you want to change your financial life in 2020 (or at any time!), just start where you are with what you have. Don’t compare your journey to anyone else’s. Read personal finance blogs, personal finance books, listen to personal finance podcasts and connect with ideas that ignite your passion for finance. Though it can seem like it’s all about the money, it’s really about affording the life you want and buying your freedom and time. How to Budget Make sure your income exceeds your expenses. Create a realistic budget based on your current income and expenses. Take into account debt repayment, saving and splurging. Track your expenses to stay aligned with your budget, as this is the only way you’ll know if you go over budget or not. Have a money date with yourself and/or spouse every week to check in on your finances, track progress on your goals and stay accountable How to Spend Less Money To avoid over-spending on food, don’t go to the grocery store hungry. Always check your receipts for any errors or overcharges. Cut back or eliminate spending on vices like alcohol, cigarettes, or any other substances. Avoid spending traps like the lottery, MLM schemes and more…because you don’t really need flat tummy tea or essential oils. Until we meet again $$SAVE$$SAVE $$SAVE #money #moneymanagement