Ask someone to talk about being “financially set” and you’ll likely hear something like this come up (rather quickly):
“I just want my bills to be taken care of. I don’t want to have to worry about taking care of this or that payment.”
News Flash: You can get a piece of that “financially set” pie by breaking out of the paycheck to paycheck cycle. Work toward setting aside portions of your paychecks until, at the beginning of some month in the not-so-distant future, you see you have enough set aside to live that entire month without touching any new paychecks.
You’ll be out of the paycheck to paycheck cycle.
The nice thing about living one month ahead? Bills are taken care of. Set up every bill you possibly can on autopay and then, for those bills that require manual payment, set one day a month to take care of all of them. Finished.
You aren’t earning more money. You didn’t win the Lotto. But you’ll have a new lease on life.
Your Next Step
Budgeting is not restrictive. You won’t be spending less, you’ll be spending right. So what do you have to lose? Except all that debt and stress?