CUTTING SPENDING SPENDING MONEY YOU DON’T HAVE YEAR 2023

4.62%
6 Month Treasury Bill Rate is at 4.62%, compared to 4.65% the previous market day

and 0.45% last year.

1 Year Treasury Rate is at 4.79%, compared to 4.64% the previous market day and 0.78%

last year. This is higher than the long term average of 2.87%.https://www.TreasuryDirect.Gov

OFFICIAL SITE OF THE UNITED STATE TREASURY

Cutting spending start with stopping spending money you have and that you’re

spending money on thing you don’t need. Credit card debt has reached

If you’re willing to budget than you can cut debt, and build cash reserve.

Budgeting start with overcoming the dislike of budgeting your income. Overcoming

being told what you can afford and what you need to save for can be frustrating.

Yet, step 1 can be as simple as writing down what your income is, weekly, monthly

and yearly. If Americans cut spending by 10% and pay that amount for one year, credit

card debt will BE 93 BILLION DOLLAR LESS. At an average of 19% interest rate this

will save the American consumer 18 Billion starting 2024.SAVING 35% OF YOUR INCOME IN 2023 VS DEDT

What do you mean by budgeting?

Image result for budgeting

Budgeting is the process of creating a plan to spend your money. This spending plan is

called a budget. Creating this spending plan allows you to determine in advance whether

you will have enough money to do the things you need to do or would like to do. Budgeting

is simply balancing your expenses with your income.

What is Budgeting and Why is it Important? | My Money Coachhttps://www.mymoneycoach.ca › budgeting

What is the best budgeting method?

The 50/30/20 rule is an easy budgeting method that can help you to manage your money

effectively, simply and sustainably. The basic rule of thumb is to divide your monthly

after-tax income into three spending categories: 50% for needs, 30% for wants and 20%

for savings or paying off debt.

How much credit card debt is in the US?

Total credit card debt reached a record $930.6 billion in the fourth quarter of 2022,

according to the latest credit report from TransUnion. As balance rise, so have

delinquencies, which is “something to watch,” says TransUnion’s Michele Raneri.

https://www.Benefits.Gov THIS IS AN OFFICIAL

SITE OF THE UNITED STATES GOVERNMENT. YOU’RE BE SUPRISED AT ALL THE GOVERNMENT

PROGRAMS THAT IS AVAILABLE TO AMERICANS. SHARE THIS INFORMATION WITH THOSE WHOM CAN

BENEFIT FROM ALL THESE PROGRAMS.

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Feb 10, 2022

6 Free Online Courses for New Job Seekers – MakeUseOf

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