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Money Health

Just as we know our mental and physical health is imperative, so is our money health.

How many of you have a budget? Do you stick to your budget?

Do you know why you don't do a budget or stick to it?

These are all great questions to ask yourself.

During the pandemic, economic times can be hard to navigate.

I learned it is possible to save for a rainy day.

First, you should find a budgeting method that works for you.

Here is your challenge for one week, write down everything you spend money on and make a list of your monthly bills.

I use an excel spreadsheet to try my expenses and investments/savings.

Some main categories I use are as follows:

  1. Housing

  2. Transportation

  3. Insurance

  4. Food

  5. Pets(if applicable)

  6. Loans

  7. Entertainment

  8. Savings or Investments

  9. Personal Care

I break these categories up into two categories; Actual and Projected.

My monthly income; is recorded as Projected Monthly and Actual Monthly.

That is the first part of the challenge; the second is to try to track for at least a month.

What did you learn as you keep track of your monthly budget?

Part of living a healthy is not having to worry about your finances which can cause so much stress. It is not always easy but necessary; it was for me to know my financial health.

Good money habits can help you build your credit.

I am at a stage in my life, I want as much positive energy as possible.

Let me know what you discovered about your spending and saving habits.

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