It’s
2016, and you’re staring at your finances like “how did we get here?” Don’t
worry, things will get better by God's grace; you just need to plan. To start,
you need real plans, real goals and real accountability when managing your
finances this year. Here are some tips:
–
Create a budget: Sometimes using a pen and paper is just fine, but to make
things easier, You have goals and dreams, share them with your family and loved
ones so that you can plan exactly how you will spend money each month.
–
Pay off your debt: After you have created your budget, put a number you know
you can pay off your debt. If debt isn’t paid, it piles up, and puts you down.
Debt has been associated with depression and suicide, so paying a certain
amount each month alleviates this.
–
Spend less: This may be hard but here are some helpful tips:
1.
Use your debit card. If there isn’t money in the account, you can’t spend. This
is good discipline.
2.
Look for sales where you will get reasonable quantity of what you need to buy
without compromising quality by so you save some money.
3.
If you get a bonus, put some of it towards your debt, some of it to your savings,
some towards investments, and some of it on yourself (you made it to 2016, you
deserve it).
–
Share your financial goals: Your family and loved ones are there for
accountability. Share your financial goals with them and how you’re hoping to
get there.
In
conclusion, looking at the aforementioned tips it depends on self-discipline
and putting God first in everything we do so that our plans will not be
truncated.
Have
a fulfilled weekend and remain blessed...
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