It’s not impossible to handle your finances in this economy; it just takes some time. Getting your finances under control is completely doable if you take it step by step.
You have to be able to answer these questions with specific numbers, not estimates.
- How much am I (or are we) in debt?
- How much income do I/we take home each month?
- How much are the monthly expenses?
- How much do I (or we) have in savings?
- Am I behind or delinquent on any bills?
- How much is in my retirement account?
- What’s my (or our) net worth?
Once you have a clear picture of where you are, you can see what you need to improve on.
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