1.) Maintain a record of your expenses.
Knowing where your earnings are going will make it easier to make changes if necessary.

2.)Distinguish between needs and wants.
Is that 4K display flat-screen television necessary? When spending is tight, only spend what is needed.

3.) Paying your bills with credit should be avoided.
While using credit may make things easy now, it will only increase your monthly payments in the long run.

4.) Save regularly.
Allow a portion of your paycheck to be deposited directly into your savings account, or set up a monthly automatic transfer from your checking to your savings account.

5.) It’s not about “having” time. It’s about making time.
JBSar EA Robot will MAKE time for you to enjoy life by doing nothing and spend TIME with your family.

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