Shoremates,

If you love this book, you can pick yourself up a copy right here.

Action Items:  We’re going to go through budgeting, so if you want it even easier, go to moneyhoneyrachel.com/free, and you’ll get the spreadsheets we’re about to talk through.

1. Get some paper and write down your after tax monthly income at the top of your paper. If you’re not sure what this is, go to your bank account and write down the numbers that were added to your account.
2. Now, write down all the expenses.  There is a long list in the show notes for ease of reference. category and amount for the month: these are rent or mortgage, utilities, bills, insurance, transportation costs, food, entertainment, subscriptions, personal care, shopping, taxes, gifts and donations, credit card minimums, student loans, and extra money in case you forgot a category. 
3. Tally up number 2, subtract it from number 1 and you have your golden number. Circle that.

Always, Always Remember,

You've got this!

-J.D. Elliott

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