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Have debt problems this episode talks thru all the steps to getting debt under control. Beginning with identifying the problem and the steps to take to tackle this problem.

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What it takes to pay off credit and tips and tricks to make the process easier. Do it yourself is the cheapest way to reduce debt but must be able to make tough decisions then carry thru with them.

Article Links:
https://finred.usalearning.gov/Money/DebtTraps
https://www.nerdwallet.com/article/finance/find-debt-relief By Bev O’Shea
https://www.consumerfinance.gov/about-us/blog/easy-remember-guidelines-help-people-reduce-credit-card-debt/ By Susan Kerbel

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Once tracking has been done for the last 30 plus days, now it time to start a budget or control center. The tracking will make the control center easier to setup and to maintain. Vacation time and how that affect the tracking and budgeting process.

Article Link:
http://mappingyourfuture.org/money/budget.cfm

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Knowing the basics of personal finance, the tracking makes more sense. Everything will start to fall into place as to the importance for personal finance. Tracking of monies into and out of checking will start to full fill the five aspects of personal finance. Then creating a budget will be the control center to increase savings and achieving other goals.

Article Link:

https://www.nerdwallet.com/article/finance/tracking-monthly-expenses

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Knowing the basics about personal finance is necessary for debt reduction. Everyone should understand personal finances to plan and pay bills. This includes savings for future purchases and taking care of basic needs. 

 Article Link:
https://www.annuity.org/personal-finance/  By Terry Turner

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Doing a budget to much time and want a different approach to help reduce spending. How about find out the amount of money available to spend on a weekly basis. This spreadsheet will give you that information. 

This is new topic in the traditional budgeting process. Allocation of money received to an expense to ensure the timely payment is necessary. How to incorporate this into traditional budgeting spreadsheet. Will talk about another spreadsheet that computes your weekly unspent money. 
Article Links:

https://www.incharge.org/financial-literacy/budgeting-saving/how-to-make-a-budget/

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Having problems reducing debt, this is how to get started on that process.  Going to expand on the allocation money in the control center. (Budget). 

Article Links:

https://www.equifax.com/personal/education/debt-management/creating-debt-reduction-strategy/

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Once the budget in place and a few months has pasted it time to add items to help with credit score and overall financial health. Using  percentages as a guideline. When using an app learn how the app works before starting the app. Take time to learn the app in the long term this will be beneficial.

Article Links:

https://www.budgetsmadeeasy.com/household-budget-percentages/ 

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Making and keeping a budget needs to be simple, or it will not work. Here is a way to do a budget the easy and fast. Referring to using tracking app by printing out a report to develop the budget. Budgeting is to help identify problems and adjust to reach goals. Not just to reduce spending and make life less enjoyable.

Article Link:
https://www.myjar.app/blog/budget-exhausted-know-the-reason-behind-this-failure

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All the debt has been identified now it time to start tracking all income and spending. Knowing how much money is in the checking account and monies owe is important to reducing debt. Emergency fund in detail how to setup different savings categories for uses as needed.

Article Link:
https://www.wellsfargo.com/financial-education/basic-finances/manage-money/cashflow-savings/track-spending/

https://financebuzz.com/how-to-track-spending By Taylor Medine

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