This year, I’m not going to wait for my December credit card bill to show up before I start making promises about managing my money. I’m going to make changes now.
For some people, a spreadsheet or Excel application would be enough to log general expenses and calculate savings. I am not one of those people. For others, a more sophiscated home-based system provides flexibility and planning power at a low price.
Those are not going to work for me. I am the kind of person who loses all her receipts. I need all the help I can get. My solution: an online budget I can update anywhere, so I have no excuses for “forgetting” to note the $67 I spent on the Lord of the Rings movies.
Once I have my cash flow under control, I’m going to get some investment advice and learn how to make my money work harder. I want my retirement to be an example of the good life, and the easiest way to do that is start building a nest egg today.
If I invest wisely, stick to a lean budget, and watch my cash, I should be sitting pretty…just in time for next Christmas.