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Focus on what you spend monthly.
To do that, you need to understand everything you spend money on. There's an app called personal capital that I really like that you can use to aggregate all your accounts and it gives you a pretty good idea. There's also mint.com and several banks like bank of america offer a similar service.
Once you get an idea of where your money is going. Take a look at each thing individually and ask if there is a way to cut back. Eg I was paying over 100 a month in cell phone bills got a new plan and reduced it to 50 a month and live my life just as happy as I was before. 50/m is 600 a year in savings. Find even a few things like this that don't effect your life all that much and you'll have thousands extra at years end.
To do that, you need to understand everything you spend money on. There's an app called personal capital that I really like that you can use to aggregate all your accounts and it gives you a pretty good idea. There's also mint.com and several banks like bank of america offer a similar service.
Once you get an idea of where your money is going. Take a look at each thing individually and ask if there is a way to cut back. Eg I was paying over 100 a month in cell phone bills got a new plan and reduced it to 50 a month and live my life just as happy as I was before. 50/m is 600 a year in savings. Find even a few things like this that don't effect your life all that much and you'll have thousands extra at years end.
What are some ways to budget money?
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