It’s time to start! Step one is being honest because the numbers won’t lie. Use a spreadsheet or pen and paper, whatever you are more comfortable with. Write out what total income is and then begin to deduct expenses. Your fixed expenses such as your mortgage or rent, car payment, student loans, subscriptions, insurance, taxes, phone bills and some utilities are some examples. Then figure out your variable expenses, those are the ones that vary from month to month. Grocery shopping, some utility bills, gas, personal care, clothings, medical etc. Now what is left? Ideally 20% of what is left should go towards emergency fund saving and a retirement fund saving. By seeing everything written out you can keep track to see where corners can be cut to get on track for better spending and savings. First thing I cut out was subscriptions it was an amazing how those added up and we didn’t miss them when they were gone. Second I worked on was grocery. I became more mindful of meal planning and only buying what was needed not just wanted until I got on track. I needed to trim those numbers because we had no emergency funds. Whatever came up would need to go on credit, and if funds aren’t there the interest rate fees are going to add up. Now we are on track with a savings because life happens and we need to be ready. Take one day at a time and one bill at a time. You will learn and grow each day but don’t give up. You work hard for your money, don’t waste it. Make it your goal to stay on the budget you set for yourself, be realistic now that you know your own personal numbers, and that will bring you success.