How do you know how much you should be spending and saving? It is time to dig deep and figure out precisely what is going on with your finances and get things going positively.
If you have been spending without planning first, it can seem like a colossal task, but it will be a much more approachable challenge if you sit down and get organized.
Are there things you want to do but don't have the liquidity to do? When you decide on your goals for your spending habits, you can also plan to determine your savings goals.
It is never too late to start budgeting. Setting up a budget challenge for yourself is a great way to set goals for yourself, so you can push yourself into a better situation and keep you growing from there!