Hello, Winebbers. My name is Jesse Meekham and this is podcast number 143 for you need a budget where we teach you four rules to help you stop living paycheck to paycheck get out of debt and save more money.

I believe that the pace of your efforts play second fiddle to the

direction you are facing. For many of you just getting started, you are in a bit of a wreck financially.

You've been living above your means.

You've been accumulating debt very slowly.

You've been calling non-emergency emergencies emergencies.

You haven't been saving. you've been unaware of your

spending you've been victim to the market to peer pressure to Jonesine I called

Jonesine it's hard word to say when you look around and decide what's important to you

based on what other people are doing, you've been just kind of floating, rudderless, and going

wherever the wind will toss you.

And now you've discovered Wine Ab

and you are building your awareness.

You are giving every dollar a job.

You're looking ahead to those larger less frequent

expenses that you used to call emergencies and you're saying oh we'll be ready for that.

We'll take that Christmas bill, we'll take the life insurance bill, we'll take that vacation, the fun stuff.

We'll divide those up and we'll make them monthly manageable chunks, treating them like bills,

setting aside for them, being ready.

So when the time comes, the cash flow ups and downs don't

really happen and your finances become downright boring. You're recognizing that

this is a process that you'll make mistakes that you can roll with the punches per rule 3

...