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I don’t earn enough…

Most people believe that if you earn more money that you’ll be better with your money. In fact it’s those that earn less that are actually better with their money as you have to make it last for your requirements.

Just because someone is earning big $$$ doesn’t mean they know how to budget their money.

How many celebrities have you seen that were earning lots of money and now have nothing, or you see people winning millions in the lotto and in a couple of years all the money is gone.

When you have to actually worry about not making enough money is in these situations…

Are you expenses more than your income? Do you know if you continue this way that you’re going to be in some deep debt? Well it’s time to sit down and look at it!

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There are a lot of people in the same boat, where you do not make enough money to cover all of your expenses. This is when you are starting to experience real pressure and you are staring down the financial vortex that you don’t think you’ll come out of…but it is okay it doesn’t need to be that way.


Whether your someone that is on a low income and you’re struggling or you’re someone on a high income that doesn’t know where there money goes…


Its all about how you manage your money, not about what you earn and making sure that your income exceeds your expenses. It can mean going without some things in the short term to get back on track.

But if you’re like me, I would rather go without something in the short term to be better off in the long term.

There have been times when I have completely over spent, and I would be lying there are night wondering what I could do to get back on track. It would stress me out beyond belief. I call it staring down my financial vortex.

Its not all doom and gloom for you though, there can be light at the end of the tunnel if you’re in this situation.

I have come up with some tips to help take some of the stress away. You need to take small steps to achieve greatness.

So what steps do you need to take.

  1. Budget – Set it up
  2. Make some big cuts – even if its temporary you need to cut out anything that you don’t need.
  3. Go on a spending freeze – only spend what you need
  4. Can you get some more work? Just even for a couple of months till your back on track
  5. Prioritise you outgoings
  6. Be positive…remember it’s not going to last forever; you will get out of this!


Now those tips have greatly helped me when I needed it most. So make sure you take all the steps and put them into action.

If you don’t know how to budget…then you have stubled across the right space…I’m Sally and I run Bells Budget which is all about teaching you how to budget, through an e-course that is run over 8 weeks, with 1 module being released each week…want to know more check out the Course Overview.






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