Money Saving Tip #1

• Know where you stand. Figure out your income vs. expenses. If you aren’t making enough right now to cover your bills and are relying on credit cards, it’s time to drop whatever you’re doing and make some changes. You need to either reduce your expenses or increase your income. Let me say that again: you need to reduce your expenses or increase your income. If you already spend more than you make, you will never get ahead unless you decide to make a change. Remember, a step in the right direction is better than standing still.