You can get yourself in a position where you’re not spending more than you make, but it takes commitment to stay there. Remind yourself every day that you’re not going to waste money and that you’re going to spend less than you earn this week - and this month - and this year. It’s all priorities and budgeting. I believe it comes down to desire to get ahead. There are many little habits and purchases that can be cut out of everyday life and will add up to thousands of dollars over the years. No matter what your financial situation may look like, you must prioritize your bills. Credit card bills and other debts should seldom come before groceries, shelter, or utilities. There is nothing more important than your family’s well-being. Dealing with debt can feel like a never-ending battle, but it's important to look to the future. Regardless of your situation, you can find the light at the end of the tunnel if you have the proper tools and support. Create a budget and commit to taking control of your financial situation by making hard decisions.
1. Money to spend on yourself each week
2. Money to put aside for your bills and regular commitments
3. Money for lifestyle
4. Money to save for your goals and the future
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