Okay, I am a natural spender, so I do love to spend money. So I really understand that it can be hard for people to cut back because it is difficult. So today you're going to learn five simple money-saving tips that even work for us spenders. And before we get started, make sure to like,

subscribe, and share this episode with a friend. All right, the first tip might come a little bit

as a shock, but it shouldn't if you've been watching this channel for any amount of time.

But number one is to use a monthly budget. Yes. So a budget really does help you have

permission to spend money. And so when you are doing a budget,

you're going to feel like you got a raise. When you do a budget, you're going to feel in control.

And when you actually make this a rhythm in your life, it's not scary or intimidating anymore.

It really is, again, this plan for you and where your money's going. And you're an adult, and you get to decide where do you want to spend your money.

Now there's some wisdom around it, right?

Don't spend more than you make.

You want to be giving some and saving some, like all of that.

But this is your permission to spend.

So when you do a budget, have your income for the month, minus all of your expenses, including

giving and saving, put dollar amounts next to each of those categories, and the goal

was for your income minus all of those expenses should equal zero. So every dollar has a name.

And in the budget, always remember a miscellaneous category. We used that a lot last month.

So that's what I'm thinking about it, because stuff is going to come up that you forget about

so that it doesn't throw everything off. But it really is. It is an amazing

tool to help you. So when you're spending, you do it without this like questioning of, is this

okay? All of it. It just gives you the permission to know, yeah, that's how much is in the clothing

line item with the budget. Like go and buy some Amazon earrings or whatever it is for you.

And if you need help budgeting, every dollar is the best

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