A very simple way to align your finances!

Grab a pen and paper:
1) Right down your monthly income Net after taxes.
2) List all the bills you have each month ex.
  • Mortgage/rent
  • Taxes/Home owner insurance
  • Utilities
  • Rough grocery bill
3) After all bills have been listed add them all up.
4) Now subtract all your bills from you Net take home.

Surprised? Most cases this amount left over of your net pay is larger then we had thought. Everyday we purchase things on want and instinct and these add up to a large amount at the end of the month.

Coffee drinker?

Here is a habit we may fall into that is very costly. That small Dunkin Donuts coffee that cost $2.01 purchased just once a day will have cost you $60 at months end and double that for a large or triple for Star Bucks.
  • Make your own coffee.
  • Cut back to every other day.
  • Quite drinking coffee and find energy in more natural ways like vitamins and exercise.
Big savings can be made if we look closely to where our money is going. Try out this finance exercise and see how much cash you really have left over.


  1. Anonymous // August 11, 2008 at 5:23 PM  

    I agree people are getting very lazy and spoiled.What ever happened to the thermous for coffee or wait til you get to a machine.

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