To successfully manage your money, you have to have a Debt Free strategy. The first step in creating a plan is to get all of the pieces in their proper place.

Create a List of all of your Monthly obligations.

  1. Housing
  2. Transportation
  3. Utilities
  4. Insurances
  5. Services


Create a List of Monthly Personal Care Needs

  1. Groceries
  2. Gasoline
  3. Lunches
  4. Hair Care
  5. Entertainment
  6. Prescriptions
  7. Hobbies

Once these are complete, place the personal care items into a separate account that is to be exclusively used for non bill purchases.

Every Positive Step is a move in an amazing direction.