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2023 is right around the corner, and Im sure that one of your new years resolutions is to get your money in order. Right now in America, 63% of people are living paycheck to paycheck. And whats crazy is that, of those people making above six figures per year, 49% are still living paycheck to paycheck. Clearly making money and managing money are two different skill sets, and today we are going to be focusing on the latter. So were going to go through a step-by-step guide on how to stop living paycheck to paycheck. Lets get right into it. Step 1: Know your income and expenses. This is the first step in creating an effective budget. Today Im going to be using the budget template provided by google sheets. This budget template is free for anyone with a google account and I think its very user friendly, but you can also use an app like mint.com, or simply write down your budget the old fashioned way using pen and paper. The reason we need to figure out what our income and expenses cur
