Dear Reader.

This chart is a simple reminder on how you need to spend your money.

It is my chart. You can make one as well.

Just stick to it.

And remember, don't go all in crypto.

In my case, I spend less than 20% on "personal" and I put that directly into crypto.

Anyway, it is SUPER important to track your spendings.

Once you know how much money you have coming in, the next step is to figure out where it’s going.

You may find out what you are spending the most money on and where it would be easiest to cut costs by keeping track of and classifying your expenses.
List your fixed expenses first. These are typical monthly expenses like utility and car payments, rent or mortgage payments, and so forth.

Next, make a list of your variable expenses, which include things like groceries, gas, and entertainment which could differ from month to month.

You might find opportunities to make savings in this region. Since credit card and bank statements frequently itemize or group your monthly expenses, they are good places to start.

Whatever is available, such as a pen and paper, a smartphone app, or online budgeting spreadsheets or templates, should be used to keep track of your daily spending. 

DON'T CUT EXPENSES

I can not stress this out enough. Most of us, don't earn enough, so just cutting your expenses won't make any significant difference for your future. 

You need to increase your income.

Don't ask me how though - I only earn 10 dollars a month on Publish0x and like 100 dollars by staking crypto. Not really something to brag about. Do you have any great side hustles you want to share?