Sit down and make a budget (financial pillar #3)

Check out the complete list of Financial Pillars Here   If you have tried to save money, spend less, improve credit, or build wealth at some point in the past, chances are you’ve heard that making a budget is a huge step in achieving your goal. If you’re anything like the previous version of me (I’ll call him splurgy Mike), then chances are you read the words about making a budget, they proceeded through your eyes, reached your brain, and were immediately disregarded. “I’ll just watch my spending and the money will save itself up eventually. I don’t need a budget…”   Flat. Out. Wrong.   Does a surgeon cut into someone’s chest and think, “A little patch here, stint there, maybe some stitching in this region, then this heart should basically heal itself?” No. They have a detailed plan. A football coach makes a game plan each week (topical […]

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