Count the cost of managing your finances off the cuff and without discipline because when you do this, you will experience overspending. As a financial strategist Paul works with clients, designs virtual courses, and coaches people on how to develop their very own personal finance system that will help them assess their entire financial management ecosystem.

The problem a lot of people are encountering is inflation and the time is now to align your finances with a new and improved money-focused lifestyle. Here are a few tips to help you along your financial journey, remember to create a spending plan:

1. Keep a close eye on your credit card interest payments
2. Cut your cablevision account
3. Review and get rid of unnecessary insurance policies
4. Do away with pricey gym memberships and classes
5. Reevaluate pricey gifts for birthdays, holidays, and more
6. The cost of smoking has increased exponentially, stop smoking
7. Take time out to evaluate your phone plan, it may be costing you more than you know
8. Cut back on and do away with the food delivery and takeout, the prices are astronomical
9. Financial advisor fees may be costing a lot more than you think, evaluate how much you are paying

There are more areas of expense to consider, however, these will jumpstart you along your journey. While you are at it discover more about Paul's virtual Financial Fitness course at this link, perhaps it can make a difference along your financial journey: https://bit.ly/3dbperG