From the day I got my first job as a cart pusher at a supermarket, I spent years living from one paycheck to the next. I hovered around the poverty line, hoping that I would last until next month’s rent. At the time it felt normal. It wasn’t until after…
At the end of every month, you run out of cash and wonder where it all went. You decide you’re going to finally save this month. Before you start cutting expenses, track what you’re spending money on to begin with.
While the general guidelines for emergency funds are up for debate, most people agree it’s a good idea to at least have one. While you decide how much money to put in yours, make sure you incorporate all of your small, essential expenses — not just the big stuff.