A Fresh Start

At least half of us make a New Year’s resolution on January 1st, a ritual that has been around for a long, long time. But unfortunately, buy the end of the following month is has been forgotten. But just because you dropped the ball doesn’t mean it can’t be picked up again.
Pull up your boot straps and begin again with that budget you thought was such a good idea a month ago. It takes about 85% of your income to cover the basics of living. That leaves the other 15% for fun and saving. Then there is the all time question of what do you want versus what you need. Prescriptions are needed but the newest DVD release a want.
Keep an eye on your spending like you said you would on the day of this new year and create an fund to cover those all to reoccurring emergencies. Money management was not taught in school and if your parents did not teach it to you then you must educate yourself. You can begin a new life any day you want, whether it be a Tuesday on March or New Year’s Day, it is never to late.