First things first!!!

It’s very important to prioritize when paying your bills.  If you don’t, it is not only foolish, but costly in so many ways.

The first thing to do is write down what your total income is….. then make a list of your expenses….. all….of….them!  Now, put that list in order or importance…..

Rent/mortgage, food, utilities, medical, car payments, insurance(s), etc.  The order is important because you need a roof over your head, you need food, and warmth and light. You need to stay healthy, and have transportation to/from work. You need car/life insurance.

Most anything beyond that can be either cut down or eliminated completely.

But……. out of the amount of money that is remaining, the first thing is to SAVE!!! SAVE!!! SAVE!!!

Set aside savings first, then if any ‘fill ins’ are needed, they come last.

If you neglect this method of budgeting, you will find that you will be overspending, on things you do not need, things that you can live without.

Learn to be frugal……. you won’t be sorry.  Do this for your family, for yourself.