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Charleston, WV 25309 USA


2017 Get Financially Fit!!


Track your spending to see where your money goes.  Then build your budget based on your usual expenses.  Look for ways to cut back cable, internet, cell phone, shopping sales and cutting rates on credit cards.

WRITE IT DOWN: Purchase a notebook, a journal or use an excel spreadsheet and write down your normal monthly bills.  Set this money aside for bills, gas, groceries only.  Whatever is left….decide on a percentage to put in a separate account to save.  Use an amount you can live with and leave it alone.

You’ll be amazed how quickly it will grow.

SET GOALS: Using the figure you plan to save set goals for your savings to grow, it can be very satisfying to see that money grow.

EMERGENCY FUND:  As soon as possible set aside an emergency fund,  just a small amount to keep you from having to dip into your account that is set aside for your savings goal.

MENTALLY FIT:  Once you have a financial plan, make a separate journal to write down things you need to do, want to do and things you have accomplished.  Making a list and marking off the items that you have finished gives you a sense of accomplishment.  If you write them down you may also be less likely to go to bed with your mind full of what you need to do.  Writing it  down will  help put it out of your mind and help you get a good nights sleep.

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