@Kim M. Dave Ramsey is often thought to be one of the first finance people who "created" a method every-day people can follow to grow wealth. While there are a few starting to criticize/nit-pick his methods, for the most part his methods still act as building blocks.
You can find his baby-steps here: https://www.ramseysolutions.com/dave-ramsey-7-baby-steps
Taking lunch to work and public transport.
I find that having a budget allows me to keep track of all my spending on a monthly basis. It also helps me to determine if I'm spending on wants versus needs. It's great knowing exactly where my monies are going it enable me to tighten up my future spending so that I can save more money.
I have a savings account that has different goals I can. Budget to.
hello all
I use a technique called reverse budgeting. I save first through a direct deposit from my paycheck into accounts for specific saving goals. Whatever is left over goes toward my bills https://www.nerdwallet.com/article/finance/pay-yourself-first-reverse-budgeting
I make a list of income and expenses, and make sure to include 20% of my income towards savings.
Hello everyone
Writing things down on a monthly basis help keep track of bills and budget
Hardest thing is sticking to a budget
I just started with cutting out buying lunch out everyday and started bringing it from home.
