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hi folks Mccalla tuno certified financial planner here with Johnson brunetti and welcome back to our money wisdom question series todayamp;#39;s question is all about budgeting how do you identify and cut those unnecessary expenses well look folks itamp;#39;s all about creating a budget budgeting gets such a bad reputation but as a financial planner my belief is budgeting what is budgeting budgeting is the difference between telling your money where to go and asking your money where it went the easiest way to do this figure out all of your fixed expenses your mortgage payment your car payment your insurance bill your tax bill the water bill everything that you pay for in relatively the same dollar amount every single month right those are the fixed expenses and the easiest way to determine what those other expenses are the discretionary expenses print off a credit card statement or look at your checking account or your bank statement do it once a month and then once you get a
