We’re getting closer to the end of the month, so make sure that you start to gather those bills and be thinking about your budget for next month! 

– If you’re trying to pay off debt and are getting intense about it, you may find it advantageous to change your thinking.  You’ll want to change your approach from, “I have $xxxx.xx in expenses, so what can I cut from that?” to this: “I want to pay $xxxx.xx/month on my debt, so what can I afford to buy?”

– The fastest way to get more cash flow is to take a part-time job.  The longer-term, more effective way is to pay off all your debt.  No payments, more cash.

– It’s wise to “zoom out” and look at your spending categories as a percentage of your income.  You can do this monthly or quarterly.  Since your budget reveals your priorities, staying aware of the percentages can help you keep first things first.