– Put giving and saving at the top of your budget.  If you don’t do them first, they won’t happen.  Your budget should mirror your priorities!

– Your budget is made up of two major types of expenses – fixed and variable.  Fixed expenses are like your rent, insurance payments, internet, cell phone, etc.  They take more work to change than your variable expenses.  Your variable expenses are discretionary categories like food, blow money, gifts, household expenditures, gas, and other things.  For quick changes in the budget, attack the variable/discretionary expenses, then for longer-term change, look to reduce the fixed expenses.

– If you have unexpected expenses during a month, don’t just “hope it will work out in the end.”  Those days are over!  Come back to the budget, and account for the unexpected expense.  What category is that money coming from?  You have to decide, and account for it.  “Hoping it will work out” and not paying attention is what gets people into consumer debt like credit cards and credit lines!