A whopping 82% of American consumers reported that their budgets were impacted after weathering an historic pandemic followed by inflation, according to a 2022 HomeServe survey.
Stop for a minute, and consider your money style. Some people are planners and thoughtful spenders; others are more impulsive with money, or have a yo-yo style of spending.
Making a budget typically requires looking at your after-tax income and seeing how to allocate your funds. Essentially, it is a blueprint for living within your means.
A latte and a muffin are not everyday office essentials. Get up 15 to 30 minutes earlier, and eat at home. Bring lunch. Don’t eat out with kids so often.