Many people think that budgeting is really complicated. It's not. All you have to do is create a spending plan and then try to follow it as best you can. The reason why you create a spending plan is to prevent yourself from spending more money than you earn. For a budget to work, you just review your progress at the end of each month to see how you are doing. If you spent more than your spending plan called for, then you need to either adjust your spending, increase your income or adjust your budget.
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Welcome to your 20s, The decade for adulting and taking decisions of your life. For a lot of us, this age means getting started in a career, trying out different things, messing with the whole money management thing.
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If you’re like many Canadians, you must be having a New year’s Resolution plan for 2021, But have one Resolution plan for improving your personal finances. Now, If you have one, you are lucky and on a better side of the future. You don’t need me to tell you that 2020, was one of the strangest and most challenging years of our lives.
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