Create a Budget at the First of Each Month
Creating a budget to stay on top of your finances can be the key to developing better money habits. Club Thrifty co-founder Holly Johnson said she and her husband create a zero-sum budget at the beginning of each month to plan where every dollar that comes in will go.
“We talk over our planned spending, our bills and any ‘extras’ we need to account for during the coming month,” said Johnson. “We have done this every month for years now, and I credit a lot of success to these monthly meetings and the accountability they bring to our lives.”