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1. Budget every month before the month begins. 2. Budget to zero. 3. Track every expense. 4. Review your spending habits. 5. Set a realistic budget. 6. Make adjustments. 7. Create a “Miscellaneous" category. 8. Budget for annual and semi-annual expenses. 9. Save for big purchases a little at a time. 10. Budget for fun. 11. Understand the difference between needs and wants. 12. Give yourself grace. https://www.everydollar.com/blog/budg... NEED HELP STARTING YOUR OWN PODCAST? www.BusinessBros.biz/setup or text PODCAST to 31996 Business Bros Merchandise: https://teespring.com/stores/businessbros Contact James for all your Insurance needs 619-884-0045 or James@SiasFirst.com OR CLICK ON THE LINK BELOW!!! GET A HOME OWNERS POLICY FAST!! www.businessbros.biz/homeowner JOIN THE BUSINESS BROS NETWORK www.businessbros.biz Want to be on an episode of Business Bros the #1 Podcast in San Diego? Call 619-884-4915 or Send us an email BusinessBros@SiasFirst.com so we can get in touch with you ASAP. Join the conversation or catch the podcast live on our social media feeds @BusinessBrosPod Facebook, Instagram and Twitter. You can listen to past episodes on our website www.SiasFirst.com. www.bensound.com --- Support this podcast: https://anchor.fm/businessbrospod/support