You’re getting your paycheck today, but soon you realize that everything is spoken for and you’re actually left with $0 in your pocket.  You’re living from paycheck to paycheck, the first one pays for the mortgage then the next pays the bills.  What are you left with?  How will you survive?

My experience tells me that it is in these times that a budget plan is really important.  Sure you’ve got $0 in the pocket, but that’s better than having like say $-5,000 in loan!  Ha!  There are hundreds of thousands of people walking in the city that have an average of  -5,000+ dollars in their bank account.  Yeah it’s terrible than $0.

I won’t try to sweeten how you feel now, but squarely I’d say that life is tough.  You need to put your hard-chin up and face the music.  Even at $0 you can take control.  From here on make sure you you grip every penny.  List every expense, even if you feel it’s useless to do so… you gotta monitor every penny!

You’d finally see how money is coming in and out once everything’s written down.  It may just surprise you too that it reveals hope.  When you monitor how money comes in and out you’d be aware of spending patterns, you’d get to know where you can adjust a little tighter to pinch out a penny more into savings.

Believe you me… it is hard… but really worth it!