One paragraph in the article discusses a hard part for many...sticking with your program:
Now comes the hard part -- sticking with the program. Again, technology to the rescue. I use the appointment calendar in my office email program to send alerts to remind me which tasks require attention throughout the month. If the chore is critical -- say, paying property taxes or renewing my insurance -- I'll flag the appointment as urgent so I'm not tempted to put it off. For more routine tasks, I choose one day a week and block out the time in my calendar to handle the task. If I simply can't take the time at that moment to get the job done, I make another appointment during the week. If I punt on the task one more time, I reschedule and then flag it as urgent. No urgent task makes it through the end of the week undone. Period.
I check my finances on a nightly basis and pay bills as soon as I get them. Get them out of the way and use the remaining funds for whatever I want (ie: savings, spending). I usually just save the money, not a huge spender.
ReplyDeleteI don't know why people are so frustrated with their finances, people spend way more than they can afford. In the end, you'll get overextend yourself and get caught up in a rat race.