When I decided to start “Budgeting while making cents” it was to help others who are on a low/limited income like me. Learning how to budget and manage your money properly allows you to live the life you deserve. Prior to me deciding to complete my college degree it was easy for me to save money. I knew how to plan a budget using my income and it was not difficult to stay within those limits.
Fast forward! To complete my degree I had to change career paths. The next words I am about to tell you are still hard for me to believe but hang in there with me. My income decreased $40,000 a year to take a job that allowed me the time I needed with my family as well as my educational growth. Besides my car note that I refinanced to get lower monthly payments and a lower interest rate all my bills stayed the same. No payments were late. Nothing repossessed. However, my spending habits never changed. Now that I am finished with my degree and reviewing my habits the past three years my spending habits must to change.
Whenever I read books, journals, or blogs from people who are talking about finances they are RICH. Which is why it makes the un relatable to me. I have never been rich but it was so much easier to save money when I had more money. The goal is to look back this time next year to see how far we’ve come and know we CAN and DID budget while making cents.
Budgeting While Making Cents 