“You earn wages, only to put them into a bag with holes in it.” ~Haggai 1:6
- Spend less than you earn is part of the answer.
- Be conscious. Tracking your spending is a good financial practice.
- If you can’t remember what you purchased, you have a money leak.
- Analyze your spending habits to identify and repair money leaks.
YOU HAVE MONEY ‘LEAKS’
TIME TO FACE REALITY
The reality is, skipping or not skipping the latte will not change your life. Neither will splurging on the fluffier toilet paper nor even spending a little extra on that wedding gift. But strings of decisions do matter.
If you eat every meal out, buy only the finest home staples, or make a habit of indulging your every gifting whim, then the costs begin to add up.
Beyond the golden rule — spend less than you earn — it’s hard to be prescriptive, because expenses are the result of so many individual decisions, many of which feel inconsequential as we make them.