2019 is on the horizon. There’s nothing like a new year to get people excited about change, challenges, and goals. One popular goal is to save more money. It can be really tough to save money. You have necessary expenses like housing and food and sometimes unexpected ones like medical care or a car problem. Or you might just enjoy spending money. Whatever your reasons for spending, you know it’s a good idea to save and you’re motivated to do it now.
Christmas is a little more than two months away. Can you believe it? For some people, the thought of Christmas coming so soon brings anxiety. In a perfect world, we’d save all year round to cover Christmas expenses. But that’s not realistic for most people, including me. The last thing you need on top of work deadlines, family visits, and Christmas shopping is debt from the expenses of the season.
Earlier this week I posted about the 50/20/30 budgeting method complete with free budgeting calculator. If you calculated your percentages and decided that your spending and savings numbers are not what you want them to be, don’t worry. You’re in the same boat as many other people, but you have the awareness and motivation to change that.