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Creating a budget forces you to become better organized with your spending habits in turn it helps you to avoid late payment charges and it will help improve your credit score.
Then came the day that we sat down and wrote out our first budget, at first I was uneasy about the whole idea of a budget and didn't understand how it would help us. After an hour of figuring out where our money was going I was surprised to find out how much we were spending in things that we really didn't need. Sure $5.00 each a couple of times a week for Starbucks didn't seem like a big deal until we found that we were spending around $150...
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Common topics in this essay:
- Alice In Credit Card Land
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- Credit Card Ethics
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- credit card ethics
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