Hope you are having a good night. I have started re listening to Dave Ramsey’s Financial Peace Cd’s. I would highly recommend his books and his cds ! He has so many great tips on saving and getting out of debt. As I learn his tips I will share them with you. His plan has a lot to do with learning to use just cash to pay for everything (because a card is so easy to swipe/aka overspending). He strongly emphasizes saving up an emergency account of $1,000 ($500 if you make under $20,000 and are single). I’m thankful to say that as poor as I feel, I DO have $500 in savings. The hardest part is NOT touching it unless it is a true emergency.
Examples of Emergencies:
Car Problem where I need a tow or to get it fixed
Unable to pay a monthly bil
Dogs or cats have a medical emergency
If myself or my boyfriend go in the hospital
I have to stay focused on things like the above
EMERGENCIES ARE NOT
Buying food to stress eat
This is the story of my life ….right here….
Working on changing this. I hope one day things will not be this hard.
Hope everyone has a good night!