Don’t Change Your Money Habits Until You Do This
Автор: Sheetkeeper
Загружено: 2026-01-11
Просмотров: 829
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This idea comes from Your Money or Your Life by Vicki Robin and Joe Dominguez, and I’m intentionally simplifying it to one core point.
Before you try to change your financial behavior, you need a clear accounting of what’s actually happening. That means understanding exactly what’s coming in every paycheck and where your money is going — not in theory, but in reality.
Start by separating your expenses into two categories:
• Fixed expenses like rent, car payments, insurance, utilities, and bills
• Discretionary spending like food, gas, and entertainment — the areas where you have the most flexibility each pay period
Clarity comes before change. Once you truly understand these numbers, better decisions become much easier to make.
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