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Then you have to work at it.  You have to save, spend smarter and then you’ll actually have fun managing your money. 

Let’s be honest, to have more money then you need to have your finances in order.  You need to develop the right money mindset, create attainable financial goals, build a cash cushion, and pay off your debts. 

Want to know where to start?

You need to create a budget.  And stick to it!

One of my top tricks for creating a realistic budget that you can easily use is to carry it with you.  I recommend using tools that can be accessed from anywhere.  I personally use Google Sheets for our family budget.

Google Sheets is a great tool because you can use it on a desktop computer, laptop, smartphone, or tablet.  So no matter where you are, you can pull it out and look at it.  This will really help you stay on track. 

Google Sheets acts and functions very similarly to Microsoft Excel.  So if you’re familiar with Excel then you should be able to utilize Google Sheets without any problems. 

Having a budget that you can take with you is vital to stay on top of your money.  You will be able to track your spending as its happening, just like a check register!  The best part, no more guessing whether or not you have room in your budget for eating out or that last-moment splurge at the store.  You will know for a fact if it’s in the budget. 

If you need help getting your budget started, please give me a call at 573-686-3053.  I’ll be happy to sit down with you and take a look at your monthly income and expenses.  You have to start somewhere and it’s best to not put it off for too long.