CFCCU Financial Tip of the Day:
Add up the ins and outs:
Sit down once a year and map out your cash flow.
List what comes in per paycheck (after all deductions), then list all your expenses, dividing them into fixed expenses (such as groceries and mortgage) or discretionary ones (such as gym memberships and movies).
Allocate a dollar figure to each expense, stick to it and don’t spend more.