If you are in debt and wish to get out of it, personal
When it comes to debt
1. Add all your Income – Add all your steady income. This means find the total earning that you will be able to make every month. You can include your salary, investment returns and other payments.
2. Add your monthly Bills – The save as above, add all the fixed monthly expenses. You can add your internet bills or loan payments here.
3. Add all your expenses – this is the section where you add your expenses that are not fixed. You can include your expenses on coffee or cigarettes in this section.
Now you have all your expenses listed out. From the last section, cut down all the expenses that you think is no necessary. You will surely find enough unwanted expenses here. Now reduce the expense that you think is less important. Now you have a renewed last section.
Now calculate the net savings that you will be able to make. You can use this money to save you from debt and credit card scams. Stick to this budget and you will find success coming your way very soon.