be motivated? Once you see that first check of extra funds hit, you’ll be committed and sold.
Shop only the necessities.
Yes, this means no new lipsticks, the latest Jordans or new 2K… Literally, pay your bills, get gas and shop your groceries for a month straight. You’ll be amazed at how much you save not spending on frivolous things.
Set and stick to a realistic budget.
Write out how much you expect to get paid then subtract your bills, gas, and groceries. See what’s left that you want to set aside for your savings then spend what is left over from that wisely. This will be your discretionary income that can go towards the little things you may want like coffee once a week or eating out for lunch one day. But just know that that’s it! No dipping into your savings for anything extra.
Tia Muhammad, BS, is an award-winning freelance content & media creative, copywriter, blogger, digital designer, and marketing consultant. She owns the boutique content and digital media company, jackieGLDN|studio.