This month, you’re going to organize your finances. Hold onto every receipt, bill, paystub and invoice you produce throughout the month. Sometime during the last week of May, sit down with all of your paperwork and start crunching the numbers.
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You may be feeling impatient to start more aggressively paying down debt, but it’s important to first create an emergency fund.
In the age of plastic spending and mobile payments, it’s easier than ever to buy stuff you can’t pay for right away while supporting a lifestyle you can’t really afford. Look at seven red flags that might mean you’re living beyond your means and the steps you can take to get back on track.