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How to create a budget
How I did it: I started by keeping track of my expenditures for a month. Bought an office spike and spiked every. single. receipt. Kept myself honest by double-checking against my debit card statement. Was appalled by how much money I spend on fast food...no wonder another goal of mine is to lose 30 lbs.
Lessons & tips: Budgeting is a lot easier when you know exactly how much you have coming in every month. If you're an independent contractor, try keeping track of your income for 6 months instead, so you can get a better average. And if you're an independent contractor, the SAVINGS part is totally non-negotiable, since you may have no idea when your next gig is coming in.
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