Stop using credit cards.
Do you use credit cards to cash flow your spending? This is when you charge normal monthly expenses and then pay off the balance at end of the month. If so, stop. This is one heck of a poor money management system. You might think you’re in the clear because you aren’t racking up interest, but you know what else you aren’t doing? Tracking where your money is actually going. So you’re still unorganized and you’re still not the one in control here. Instead, make that budget—with the money you actually have. Right now. And track those transactions as you spend the money you actually have. Right now. This will bring you so much clarity. You’ll see spending habits you didn’t even realize you had. When you pay a lump sum at the end of the month, it’s easy to ignore that daily triple bean burrito habit you’ve developed. When you track everything, your expenses can’t hide from you. Take ownership of your spending throughout the month with money you actually have. Right now. Stop using credit cards.
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