Debt ConsolidationThings You Should Think About |
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The first step toward taking control of your financial situation is to do a realistic assessment of how much money you take in and how much money you spend. Start by listing your income from all sources. Then, list your "fixed" expenses Ñ those that are the same each month Ñ like mortgage payments or rent, car payments, and insurance premiums. Next, list the expenses that vary Ñ like entertainment, recreation, and clothing. Writing down all your expenses, even those that seem insignificant, is a helpful way to track your spending patterns, identify necessary expenses, and prioritize the rest. The goal is to make sure you can make ends meet on the basics: housing, food, health care, insurance, and education.
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