A 2023 survey conducted by Payroll.org highlighted that 78% of Americans live paycheck to paycheck. It is no secret many of us are looking for ways to make our money go further and stretch our paycheck.
Here are three steps you can take to make the most of your hard-earned dollars each month:
Stick to your spending plan: A spending plan measures all your monthly expenses and debt against your income. The more accurately you track monthly expenses and debt, the more control you have over what you can save.
Search for savings in all places: This part is the most significant, especially if you don’t believe you have any money left for savings – because here’s where we find it! It’s where we uncover opportunities. Try these money moves to find more to contribute to savings:
Automate your savings (and earnings, too): In other words, pay yourself first. Even if it’s just $10 each paycheck. It will add up! Without interest earned, that’s already $240 each year. If you were to invest that money, it could be even more!
Ultimately, the best way to make your money go the extra mile is to find it in your day to day. Consider recycling this checklist each month to ensure your spending plan is as efficient as possible. After all, your savings depend on it!
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