Jill Gonzalez
speaker
185 appearances
2 recordings
1 series
first heard Oct 2017
last heard Jan 2018
Jill Gonzalez’s voice in public audio — every appearance, attributed to the second.
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Appearances
That will help you avoid interest on any purchases made between your first payment and the end of your billing period.
The key word here is realistic.
I think we all have pretty lofty ideas of what we're going to do money-wise in 2018.
But the key to this and the key to sticking to a good budget
is making sure it's realistic.
The best way to do that is to gather your bills from the past few months.
It doesn't have to be all of 2017.
And then make a list of all of your recurring expenses.
Then rank them in order of importance.
So real necessities like housing, food, healthcare, take up the top spots, obviously.
After that, you can cut from the bottom of your list until your take-home exceeds what you plan to spend.
And then of course,
It's that sticking to it part that I think gets a lot of us.
Keep track of your monthly spending throughout the year, I would say quarterly at least, to make sure that you're actually abiding by that budget.
Yes, it assumes you have a pretty hefty debt because, quite frankly, most of us do.
By the end of 2017, we won't know until the end of the first quarter, but we're supposedly breaking the $1 trillion mark in outstanding credit card balances alone.
That's an all-time record.
That's something as a country we've never done before.
And broken down, that means the average household has about $8,400 in credit card debt, more than we were seeing pre-recession.
So we really have to rein it in and repay a good portion of that debt.
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