I used to say things that I didn't follow through on often. And this included saving and making money.
"We're going to save 20% of our income." Well darn, that didn't happen.
"I'm going to make an extra $300 a month." Hmm, maybe I'll just set that goal again later when life isn't so hard....
Eventually, I realized that I needed to ditch the empty promises and make real progress. But how?
Well, first you need a plan. That's where our free 50 30 20 budget template comes in. It helps you divide your monthly income into concrete categories.
Then you need...
Accountability.
There are different ways to incorporate this. But first, put your savings template on a clipboard or in a picture frame where you see it often.
By seeing it every day, you are naturally more aware of it. And it will help you follow through without overthinking it.
Pretty easy right?
You wouldn't think that putting your challenge in plain view would make a big difference, but it does.
(You can stick it in a page protector and use dry erase markers to make it re-usable too.)
P.S. Want even more ways to add accountability? Tell your partner or friend. And set up an automatic withdraw to a new savings account. These will keep you moving in the right direction even when you don't feel like it!
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