April is Financial Literacy Month, and now is a great time to examine your spending habits.
Over one third of people have more credit card debt than emergency savings, the highest percentage in 12 years, according to. As inflation continues to pinch wallets, it is now more important than ever to make smart money decisions.
Take advantage of your behavioral tendencies and bucket your income sources into: short term spending and lifestyle maintenance needs, long-term savings for emergencies and repairs, charitable spending, family endeavors, and reward money. Be careful with debt, subscriptions and pay-in-installments. They can sneak up! Establish a process to do periodic reviews.
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