Ask Yourself These Money Questions
If you don’t ask yourself how your money is doing, who will?
Getting your personal finance together isn’t magic. It’s mostly about answering the right questions:
1. How much is my income worth, really?
Think about the actual value, not just the figure.
2. How much can I really afford to spend?
3. So, how have I been overspending?
4. How much should I be saving to be comfortable in the near future?
It’s your life, after all.
5. What are my plans for increasing my income?
If you can do better, do better.
And as you arrive at answers (that may shake you to your core), you’ll begin to see the real picture of your finances.
Then comes the hard part: discipline.
Without discipline, you’ll find that you’ll almost always be in a state of recovery (from unwise spending and a terrible saving habit).
But discipline can come and go. Everyone slips up every now and then. That’s why you need as much help as you can get.
Help like the Budgeting feature on Kuda.
Taking the (brief) time to create a budget can make a significant difference in how you spend and save your money.
You can also help yourself by categorising your transactions on the app.
And if push ever comes to shove, go with these desperate measures.
Clarity is a gift you can always give yourself with Kuda. The rest is up to you.