Lowering Monthly Bills
smart bills reduction guide and tips
about budeting
Your total monthly costs to sustain your living should be around 90-98% of your gross monthly income. Anything over that is "living beyond your means".Your goal is to budget and reduce monthly living costs to 90% or lower, leaving you 10% or more each month for savings and emergency.
Key budgting topics:
return home - download budgeting worksheets
start by reducing living costs
develop a plan to increase income