"Great site!!!!" -Rowena
Read More Testimonials»

Our Reducing Debt Experts

Dave Ramsey

Dave Ramsey

Host of "The Dave Ramsey Show" on Fox Business Channel and...

Shared by First30Days View Profile»
Scott Bilker

Scott Bilker

Author and creator of DebtSmart.com

Shared by First30Days View Profile»
Liz  Pulliam Weston

Liz Pulliam Weston

MSN Money columnist and author

Shared by First30Days View Profile»

Meet all of our Finances Experts»

Got A Tip?

Tips

See Where Your Money Goes

Icon_tip_2

This is a good time to become more aware of how much money you actually spend and what you spend it on. Start to keep a written record of what you spend each day, down to the penny (yes, that pack of gum counts). In opening your eyes to where your money actually goes, you might be surprised at how reluctant you become to part with your hard-earned cash.

An easy way to remain on track is to carry a small notebook with you. Write down every purchase and expense, down to quarters you put in the parking meter or quick stops at the drugstore. Then, if you wish, at the end of the day, take 10 minutes to transfer the amounts into a spreadsheet with categories if that helps you. For instance, break down a page into columns and track your spending in areas like food, entertainment, transportation and household items. This will help you figure out what areas you can scale back on. Perhaps you eat out every afternoon, when you could bring lunch to the office or eat at home.

This will be a big change, but it will be a great experience for you. Once you become aware of where your money goes, you will find easy ways to gain control of your expenses and begin saving money.

Posted: 3/2/24
Rosieklein

LOVE SPELL CASTER (DR. OZIL) THAT HELPED ME BRING BACK MY DIVORCE HUSBAND Link VIEW HIS WEBSITE AND CONTACT HIM NOW FOR ANY KIND OF HELP

With so much in my heart i am here to express myself on how Dr. Ozil saved my marriage from divorce. Myself and my husband were having some misunderstanding and it was tearing our marriage apart to the extend my husband was seeking for a divorce. So i have no option than to go to the internet to seek for solution to my problem it was there i came across Dr. Ozil details and about how he has helped a lot of people by restoring there relationship. I contact Dr. Ozil and in less than 48 hours my husband cancelled the divorce papers. Now myself and my husband live together in peace and harmony all thanks to Dr. Ozil for saving my marriage from breaking up. Dr. Ozil contact information are via email: drozilsolutionhome@yahoo.com or call his phone number or WhatsApp: +2348161897826 and also view on his website for more reviews about him: Link

Rosieklein

LOVE SPELL CASTER (DR. OZIL) THAT HELPED ME BRING BACK MY DIVORCE HUSBAND Link VIEW HIS WEBSITE AND CONTACT HIM NOW FOR ANY KIND OF HELP

With so much in my heart i am here to express myself on how Dr. Ozil saved my marriage from divorce. Myself and my husband were having some misunderstanding and it was tearing our marriage apart to the extend my husband was seeking for a divorce. So i have no option than to go to the internet to seek for solution to my problem it was there i came across Dr. Ozil details and about how he has helped a lot of people by restoring there relationship. I contact Dr. Ozil and in less than 48 hours my husband cancelled the divorce papers. Now myself and my husband live together in peace and harmony all thanks to Dr. Ozil for saving my marriage from breaking up. Dr. Ozil contact information are via email: drozilsolutionhome@yahoo.com or call his phone number or WhatsApp: +2348161897826 and also view on his website for more reviews about him: Link

nathandavidson232

FINANCIAL RESTORATION THROUGH THE HELP OF JASON RAYMOND OF FUNDING CIRCLE LOAN INC: (fundingloanplc@yahoo.com OR Call/Text +14067326622)..

I'm Nathan Davidson a businessman who was able to revive his dying business through the help of a Godsent lender known as Jason Raymond the CEO of FUNDING CIRCLE INC. Am resident at 1542 Main St, Buffalo, NY.. Well are you trying to start a business, settle your debt, expand your existing one, need money to purchase supplies. Have you been having problem trying to secure a Good Credit Facility, I want you to know that FUNDING CIRCLE INC. is the right place for you to resolve all your financial problem because am a living testimony and i can't just keep this to myself when others are looking for a way to be financially lifted.. I want you all to contact this Godsent lender using the details as stated in other to be a partaker of this great opportunity Email: fundingloanplc@yahoo.com OR Call/Text +14067326622


julicad111

Author: Julian Caden
Topic: Pregnant at 52 after reunion love spell
Testimony:
-My marriage was falling almost dead due to a bit argument, depression, feelingless and numbed attitudes of my Hubby, he preferred being silent so as to hurt me.
-Although there’re days he has been fine and good to me, we cook, eat and do things together, but we still like stepping on a dozen of eggs, we were not at ease as like before when our marriage was still in an excellent shape. Most times after saying some hurtful words to me like; I cannot bear his children anymore cos of my age. He says sorry and apologize cos he knows that he’s acting passive, numbed and feelingless to me and frustration hits him back again and again.
-I truly love my Hubby and feels guilty of our misfortune, I have always wanted to trace back my wrongs and make some amendments so we can live as a happy family with our children by our side. I was tired of seeing him hurt inside.
-He eventually served me with a divorce letter after 18 years of our blessed marriage. His reason was that we could never work things out together again, I couldn’t bear his children, shutting him off to be involved in my life and affairs, he feels numbed when he thinks of those circumstances.
-I was deeply hurt before consulting Dr. Wakina Love Temple, even though I tried day by day to adjust to the woman of his choice but he didn’t see my efforts.
-At the end, I was put in a better position with my Hubby by Dr. Wakina love spell via his email dr.wakinalovetemple@gmail.com. I’m 7 months pregnant already at 52. It’s a magical work of Dr. Wakina that restored our dream.

twiladennis

I am in my early 40s and have never had a happy relationships or marriages because of the terrible mistake I made in my youthful age (15 years ago), though I have been married for 3times now. This story is ugly but I must share it to clear my conscience and pave the way for a new beginning in life. I broke two homes; their marriage did not mean anything to me as much as I gets what I want. It was fun until I got married, then karma started. My first husband was a cheating machine with both women and men, the second was nothing to write home about. I visited a therapist immediately the second left, to make sure I do not have broken home again, but the third which I have married for a year and two months took in another girl and demanded I leave his house. I did not see that one coming. To cut it shot; dr. wakina via (dr.wakinalovetemple@gmail.com) showed me mercy by rewriting history with a special love spell. Asked me to first go and plead for forgiveness from the homes I broke before the spell can take effect, it was not an easy task, in fact it was a suicide mission but was success. The spell took effect immediately I forgave myself, something strange began to happen, I saw shadows running off my body that morning, my husband who despised me so much did not only call but came to pick me from work to a romantic dinner. Over a year now, my husband has remained a loving and romantic man. I learnt my lesson. Thank you doctor wakina.