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HOW TO MAKE A BUDGET: BUDGETING FOR BEGINNERS IN 2021

  Are you looking to make your first budget in 2021?  This article on budgeting for beginners will help you learn the basics of creating your first budget.  Whether you're looking to take control of your finances, pay off debt, or save money, a simple & effective budgeting system can help you achieve these goals. You've probably heard that the first step to financial freedom is to create a budget.  For beginners, setting a budget can be overwhelming, and it can sometimes seem scary.  It doesn't have to be that way.  Don't let these feelings stop you from being better with your money. Making a budget that works is all about knowing how to start budgeting based on your current needs.  While the basics are the same - knowing your income and tracking your expenses - every person or family is different, so you need to budget based on each person's needs. I started managing our family finances a LONG time ago.  Budgeting has taught me that it is pos...
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HOW TO SAVE MONEY ON A SMALL SALARY IN 2021

 Living on a SMALL WAGE in 2021 can be difficult at the best of times, but saving money on a small salary can be nearly impossible. Almost, but not quite. In today's post, we'll look at a few ways anyone can successfully save money and save money for the future - even on a tight budget... How to Save on a Small Salary in 2021 The key to saving money on a small salary or income is very simple: you need to start by increasing the gap between what you earn and what you have left (if anything).  Then, you need to set up a system that will automatically transfer that disposable income into a savings account, rather than swallowing it in your daily life. But how? Increase Your Income. First and foremost, you can find ways to increase your salary and the amount of money you earn, and in doing so, you'll have extra money to put away. While this may sound like a daydream, there are so many options available that almost everyone is capable of doing. Basically, consider your current p...
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