2. You must have a plan

One way to get in charge of your spending and saving, and actually reach your goals, is to create a plan and know everything.

Goals are a necessity. Figure out what your priorities and prepare financially – do not be caught unaware . If you don’t know why you’re saving, it often gets put on the back burner. So identify what your big goals are and then start taking steps to reach them. Write them down and put it somewhere you’ll see them — as a reminder of what you’re working for!

Once you’ve identified your goals, create a budget and identify expenses you may be able to reduce. Here are a few examples:

Be so much religious with the plan that nothing else gets in the way of your financial plan. It is wise to always set apart an amount of money for unplanned financial situations. This will serve as a form of insurance for your financial plan


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