Watch Your Money
Have you heard of Dave Ramsey? I am sure you have. He is a big name now in the financial planning realm. Okay. If I had been as careful with my budget and my spending I wouldn't be in the situation I am in at the moment.. in dedbt and struggling to sell things through affiliate marketing. But he wasn't around when I started and his idea is to start young and train properly. Debt is enslavement to the lender. Credit cards are not good. Start with the envelopes of giving, spending and saving. Divide your money between the three. Spend only what is in the envelope . No more. Once gone it is gone. Save a percedntage. Give a percetage. Move from there to the checking account. Balance the books. Watch your money. Save up for big purchases. Don't go into debt for education. Pay for what you can afford. ...