So, did you pass or fail on budgeting?

It’s the last month of 2023.

Have you stuck to your budgeting??? I hope so. But if you slipped up a month or two that’s expected, as it’s a learning process. It’s also a habit you want to get into, so it will become automatic every month from here on in.

And, next year you’ll be even better…… I’m sure of it.

Check your bank statements, IRA accounts, and they should show a profit benefiting you and your future.

Check your credit card statements, and they should (hopefully) show a zero balance, meaning you’re no longer a slave to finance charges and late fees.  It also benefits your credit score, which in turn  benefits your ability to take out a loan if needed at a lower rate, or get a lease on an apartment before someone with a lower score than you.

Knowing you have no credit card bills hanging over your head, and that you have a retirement account started, funding your future, and an emergency account should the unforeseen happen, leaving you out of work for a time, you’ll know there’s money there to pay the bills until you’re back working. And your emergency account for when you need new tires, or a plumbing issue resolved or some other calamity in your life…. the money you set aside for such things is right there to B care of that bill too.  These things equals less stress and more peace of mind which in turn equals better health.

So…kudos to you!

And in 2024 you’ll be even better at budgeting!

Best wishes for a Happy Holiday Season!