Posted 8/24/2014 2:01 PM (GMT -6)
Welcome to the forum DaddyO
Well, I was an accountant for years.
So this is my suggestion. One a clean piece of paper, list ALL your expenses. Food, Magazines, Internet, Phone, rent/Mort., Utilities, cleaning prod., alcholol if you drink,pet expenses; ANYTHING you spend money on in one month. Be as detailed and break it down as much as you can.
Add up the column.
Deduct it from you income. What is the diff?
If it is more. You have to reduce your expenses or get another job.
Suggestions to reduce expenses. Stop smoking and or drinking.
Where are you shopping for food? Can you cook more to save on processed packages and eating out? Buy more store brands.
Cancel mag subscrip.
Go on generic medicines
If your rent is too high, do you have a second bed room?? Do you know another person in the same situation you could co-habitate with and combine incomes. Or find a cheaper apt.
I hope some of these help.
Peace and strength