As funny and incomprehensible as it sounds, one of the major reasons why most people struggle to save money is that they fail to adhere to a budget or, surprisingly enough, simply don't have one.
One of the bigger hurdles that is budget related isn't so much not knowing you need one but realizing or fully understanding how to put one together. Sure, the bare bones of a the budget is relatively simple to grasp: spend less than you make.
That concept, however, falls on deaf ears for the most part as the majority of consumers carry more than just a little bit of debt. Debt to income ratios often get out of control when spending becomes commonplace, rather than actually writing down the nuts and bolts of your finances for you to truly see in black and white what you can afford to spend.
When crafting the perfect budget, you have to start with evaluating your monthly expenses, most notably the bills that are easily fixable as far as cutting them down to next to nothing. Think in this case about the cable, phone, internet and something that is more optional and subscription based that can be canceled (perhaps a gym membership in the warmer months can be canceled or that Amazon Prime subscription just isn't panning out to be worth it).
Most of those aforementioned monthly charges can be cut rather easily (do you really need 30 GB of data to stream on your phone or can you get away with a $15 per month hot spot charge versus trying to pay $60 or more per month for cable provided internet service?).
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