Your goal has to be something you’re actually going to do like pay off a specific debt. It can’t be just pay off debt, that’s too broad and hazy.
Your goals need to be measurable, a dollar-figure you can aim for and they have to be attainable and realistic. Finally, your goals need to be timely – they need to have a start date and a stop date when you’re going to achieve them.
You don’t have to become a social outsider to save money, you just need to think creatively for low-cost ways to spend time and connect with your friends.
Set up your account to automatically move money to pay bills and into an investment account. You can set up an account exclusively for bills and have them direct withdrawal out or try an app that separates your money.
Grab all your bills, all of them. Set up an hour or two on your calendar and start dialing. Just come right out and be honest, say you’re looking for ways to decrease your bill and are considering finding another service.