
Track every penny you spend daily to uncover spending leaks. Log purchases with a simple form, categorize spending (including discretionary spending), and set weekly totals toward a monthly goal.
Review your current bills using a simple spreadsheet, examine the last three months for incorrect charges, extra fees, and unused services, and call providers to adjust plans to save money.
discover why your grocery budget matters and how paying attention to spending leaks helps you save money, with practical steps for budgeting and meal planning.
Learn practical strategies to save on groceries by meal planning, sticking to a shopping list, choosing generics, tracking prices, using sales and coupons selectively, and mindful bulk buying.
Use the debt snowball calculator to model debt payoff by entering balances, interest rates, and extra payments, compare snowball and avalanche methods, and visualize payoff timelines.
Discover how compounding interest shapes monthly debt payments and how paying extra each month using the debt calculator can dramatically reduce interest and debt.
Learn to read your credit card statement, understand the minimum payment and due date, fees, and interest, and evaluate cash advances and balance transfers for better debt payoff.
Learn how to control miscellaneous spending by distinguishing wants from needs, setting specific budgets and goals, and embracing simplicity to curb discretionary spending.
Use a daily tracker to monitor miscellaneous spending and reveal weekly and monthly trends, keeping groceries, clothing, dining out, and taxes within budget and preventing leaks.
Track spending, set clear goals, and cut daily expenses to save money, reduce spending leaks, and build self-control that leads to lasting financial success.
How To Find & Eliminate Spending Leaks is designed to help you plug the leaks your personal budget. By the end of this course you will have the tools needed to identify and correct key holes in your budget. We will go over the worst offenders including your current bills, miscellaneous bills, grocery spending, & credit card usage.
I have included step by step directions and am using these same methods to save money by controlling my spending.
Seven years ago my husband and I had $446,000 worth of debt. We knew we were in trouble, but were overwhelmed with the numbers. It was a very scary time period for us. I went through our spending and eliminated everything I could and then did the same thing over and over again.
I kept refining the process and learned to be very intentional with my spending.
We now owe $118,000 after paying off $328,000 in seven years. It has been a long process, but I firmly believe that anyone can decrease debt by learning to control their personal finances.
This class will provide the foundational tools you need to begin this process.
I want you to be able to look back at your progress in 3-5 months and know that you have transformed your spending habits through hard work and determination.
I probably shouldn't admit this, but nothing in this class is earth shattering. It is all common sense practical advice that will help you change your view of money and subsequent spending habits.
More then anything, I want you to know that you can do this. I'll be your cheerleader throughout the process and you are always welcome to contact me directly. You can do this!
Amy White - Daily Successful Living