A Budgeting Tip

Get yourself a budgeting app and as well as setting up your real accounts, set up some virtual ones to cover recurring expenses. As an example, figure out how much you spend over a year on Internet and phone bills. Divide that by how often you are paid and then automatically “transfer” that amount from your real account to your virtual Internet and Phone account on pay day.
After using this system for a while you will find that you’re ignoring the total amount that’s actually in your account and instead making spending decisions based on what you have to spare.
This way when the time comes to pay your bills there should be no scary surprises.

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