Here is the background on where I have come in my financial journey. I hope that you can find pieces that relate to you and you can apply to your personal life.
Growing up I was lucky enough to never really need a budget or plan what I was going to spend. Even as an adult it wasn’t that difficult. I typically paid cash for what I wanted and if I didn’t have the money, then I waited. As I started growing my family I was lucky enough to get better jobs, but the biggest problem came from my expenses that grew faster than I had expected. I realized I needed a better plan than I had. I needed a budget.
I started small and did some simple financial analysis, I created a budget, then I took another step further and created a plan that helps me every day, every week, and every month. I want to share the plan that helped and hope it helps you too.