NEW WEEK IS HERE , YOU FEELING COMFY ?

Hi this one ushaifikiria? Most of us have at least a basic idea of what we should be doing with our money:

Hela imekuwa ngumu sana , at my side hadi buku nalipigia mahesabu , Creating a budget Spending less than we earn Investing for retirement maana siku zinakimbia sana , Im 33 mwakani nakuwa 34 sidhani kama kuna muda wa kupoteza nataka Inshallah nikistaafu at the age of 40 niwe na maisha ya kutuma watu tu sio kazi tena, A few months ago, I challenged myself to track my spending by hand, in real time for a month. I carried around a little notebook and right after I spent money on something, I’d write it down. It was tedious, yes, but so eye-opening. I knew that I pretty much eat my budget each month, but by tracking things by hand and recognizing when I was spending money, I was able to dial things way back and cut back on some of those mindless splurges. Try it for a week or two and see if you notice any spending behaviors that you want to change. A no-spend month is a great way to reset habits and save some extra cash quickly. The idea is that for one full month, you don’t spend any money other than on a few necessary things like rent, transportation, and basic groceries. If you really want to go big, track each purchase that you make during that month—you’ll be very in-tune with your spending habits. Before you start your no-spend month, pick a month where you don’t have obligations that are going to make this impossible. Then write down a list of your exceptions—the things you will allow yourself to spend on for the month. This will normally include rent, fixed expenses like your phone bill and internet, and very basic groceries. Lastly, write down a list of free activities that you can do so you don’t need to feel like a shut-in for 30 days. If this sounds easy, trust us, it’s not. It’s challenging to still remain a social person while eschewing after-work drinks to find an activity that costs zero dollar.

nimeamua kuwa na hii routine ya weekly to have everything on one thing, maana naona raha you know Hi Guys , jana nilikuwa na mkali wenu incase ilikupita hii apa , watch it and skiza PODCAST yangu mpya, hivyo kama una lolote tuwasiliane.

Please share story yako DM ME and will have relationship advice

I used to have an impulse shopping problem, most specifically with one retailer: Amazon. They make spending money way too easy. The 72-hour rule helped me break this. If I’m considering buying anything other than necessities, I have to wait 72 hours before I let myself press buy. I’ll add things to my cart and if I still want it after 72 hours and I can afford it, I get it. It’s simple, but not easy. Enacting this rule has created a huge shift on what I buy and how much stuff I bring into my house. If you want to be better with money, just pick one thing on this list to challenge yourself with. When it comes to money, small changes can really lead to big results.