These purchases can drain your budget—steer clear of them when funds are low. New Books & Magazines – Instead of buying new, buy used books/magazines at thrift stores or visit your local library. If you have a Kindle, they offer free books and magazines as well. Overdrive or Libby also give you ebooks and audiobooks …
💳 Avoid charging anything to your credit card if you can’t pay it off within three months. Paying the minimum might keep the lights on now, but it racks up interest and delays freedom down the road. Create a ‘future you’ fund—a savings account for expenses you’d normally put on a credit card. It’s delayed gratification that …
