Tiffany Aliche

Yes. Mortgage is a bill. Rent, car note, student loans. So if you don't pay, you're likely to be sued. Think about that. Gotcha.

Yes. Mortgage is a bill. Rent, car note, student loans. So if you don't pay, you're likely to be sued. Think about that. Gotcha.

Yes. That's a bill. Mm-hmm. So a B next to all your bills. And then, and those are really like fixed expenses. So that way you understand, right? And then I want you to put a U in front of any beam that fluctuates based upon your usage. Oh, I love that. So I call these like the U stands for usage or utility.

Yes. That's a bill. Mm-hmm. So a B next to all your bills. And then, and those are really like fixed expenses. So that way you understand, right? And then I want you to put a U in front of any beam that fluctuates based upon your usage. Oh, I love that. So I call these like the U stands for usage or utility.

Yes. That's a bill. Mm-hmm. So a B next to all your bills. And then, and those are really like fixed expenses. So that way you understand, right? And then I want you to put a U in front of any beam that fluctuates based upon your usage. Oh, I love that. So I call these like the U stands for usage or utility.

So your usage. Yes.

So your usage. Yes.

So your usage. Yes.

Yes. And so it's important to separate those two because I want you to, you'll see that I want you to understand the level of control you have on these expenses. And whatever is not a B or UB, everything else is a C. C stands for cash or choice, meaning that you have full choice of how you spend here. So grooming might be left over. Groceries might be left over. How much eating out with friends.

Yes. And so it's important to separate those two because I want you to, you'll see that I want you to understand the level of control you have on these expenses. And whatever is not a B or UB, everything else is a C. C stands for cash or choice, meaning that you have full choice of how you spend here. So grooming might be left over. Groceries might be left over. How much eating out with friends.

Yes. And so it's important to separate those two because I want you to, you'll see that I want you to understand the level of control you have on these expenses. And whatever is not a B or UB, everything else is a C. C stands for cash or choice, meaning that you have full choice of how you spend here. So grooming might be left over. Groceries might be left over. How much eating out with friends.

Yes. Yes. And so entertainment. And so now before you get to slashing, I want you to ask yourself, where's most of your money going? For many people, most of their money might be going to the B's and UB's. But for some people, it's actually all the C's. So then we have to identify, do you have a don't make enough issue or spend too much issue?

Yes. Yes. And so entertainment. And so now before you get to slashing, I want you to ask yourself, where's most of your money going? For many people, most of their money might be going to the B's and UB's. But for some people, it's actually all the C's. So then we have to identify, do you have a don't make enough issue or spend too much issue?

Yes. Yes. And so entertainment. And so now before you get to slashing, I want you to ask yourself, where's most of your money going? For many people, most of their money might be going to the B's and UB's. But for some people, it's actually all the C's. So then we have to identify, do you have a don't make enough issue or spend too much issue?

And so if most of your money is going to the B's and UB's, you might not make enough. So it's not about slashing because these are your bills. But if most of your money is going to your C's, your choices and your cash expenses, then you probably have a spend too much issue. So now we need to slash. Because it's entertainment and grocery and all those things where your money is going.

And so if most of your money is going to the B's and UB's, you might not make enough. So it's not about slashing because these are your bills. But if most of your money is going to your C's, your choices and your cash expenses, then you probably have a spend too much issue. So now we need to slash. Because it's entertainment and grocery and all those things where your money is going.

And so if most of your money is going to the B's and UB's, you might not make enough. So it's not about slashing because these are your bills. But if most of your money is going to your C's, your choices and your cash expenses, then you probably have a spend too much issue. So now we need to slash. Because it's entertainment and grocery and all those things where your money is going.

Because what I find is that frugal people want to get more frugal when things are tight. I'm like, that's not the answer. That instead, I want you to put your energy to learning how to earn more if all of your money is going to your bills. Because we're cutting the mortgage. What are we cutting? That's true.

Because what I find is that frugal people want to get more frugal when things are tight. I'm like, that's not the answer. That instead, I want you to put your energy to learning how to earn more if all of your money is going to your bills. Because we're cutting the mortgage. What are we cutting? That's true.

Because what I find is that frugal people want to get more frugal when things are tight. I'm like, that's not the answer. That instead, I want you to put your energy to learning how to earn more if all of your money is going to your bills. Because we're cutting the mortgage. What are we cutting? That's true.