Analyze past spending by keeping records for a month. Determine fixed expenses then flexible expenses. Balance your fixed plus flexible expenditures with your available income. Keep records and write checks for everything important.
Each of us has such a bank, its name is time. Every morning, it credits you seconds. You must live in the present on today's deposits. Invest from it the utmost, happiness, and health. The clock is running. Make the most of today & your life.