Ok, let's start taking simple steps. We both know that this is not easy as 1-2-3. But what we can do is start with setting up the foundation on which you can stand.
I'm going to make this as short as possible so that you can start with very small simple steps and once you see the results and small but very important accomplishments your going to want more.
NOW, YOU NEED TO GO TO THE BATHROOM, LOCK THE DOOR JUST FOR 5 MINS AND READ IN PEACE.
Don't forget to take a small notepad and a pen(when you write things down you remember it better)
So here we go...
IDENTIFY YOUR MONTHLY EXPENSES - If you don't know what your monthly expensees are you can not take control of your life.
CALCULATE YOUR DEBT - You need to know the total of what you have to pay off.
WHAT IS YOUR GUARANTEED MONTHLY INCOME - You need to count in your GUARANTEED income ONLY because that's the only money you can count on monthly.
Now write down in 4 columns:
|Expenses|Dept|Income|Additional Income|
Formula:
Income - Expenses = REMAINING (must be minimum 40% of your total GUARANTEED income)