Assess your Habits
If you’ve gone through the exercise of listing your income and your expenses, I’m sure you’ve noticed that these things add up. You’ll need to evaluate what you can live without and how you can put yourself in a better position. Here are a few things to consider:
- Credit-card payments
- Little daily purchases
- Extravagances
- Impulse purchases
- Gifts
- Overwhelming mortgage payments
- Huge care payments