Budgeting That Gem Way!!!

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By: Ms. Tra` "That Gem"

What's going on Diamonds and Diamond Status Gents!?!  I know a lot of us are not budgeting or even checking our bank statements on a monthly bases.  I know for a lot of people, it causes depression and even anxiety to look at what there money is doing.  This is because, a lot of our communities are living paycheck to paycheck.  In order to get on top of life you must budget.  Let's talk basics.  So listen whether you want them or not you will have bills Diamonds and Diamond Status gents.  So with that being said theirs no way around that. 

You must understand their are assist programs out here.  That will assist in relief for those on a fixed income or retired.  Also, prayer of serenity!  Don't worry about what you can't change.  Pay something on it, verses nothing.  Waiting to it pile up on you, is not the answer. This action or should I say reaction can cause debt.

So I want to talk to you about the 50/30/20 rule.  Take look on your right top of blog (example of 50/30/20!

Now, some of you might just be saying Ms. Tra` "That Gem" all I can do is 40/10/10.  LOL That's perfectly fine.  All you have to do is use the concept.  It's important to use some type of budgeting system.  I like this model because, it requires you to pay yourself.  Yes pay yourself!  Meaning putting money into your savings account.  A lot of banks have Club or Holiday Club accounts available.  These accounts allow for no withdraws just deposits.  Making it easier for you to save.  Of course until the end of the year. But, if you're more discipline even AMEX is opening savings accounts for way more interest then a regular bank.  Either way set your goals and budget.  Theirs  even apps available.  If you would like some of the best apps to use comment below.

For more blogs like this and more tips.  Make sure to comment below.

"Have Joy, Love and be EMPOWERED!"

photo credit: invest yadnya