- Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.
- Charles Dickens, David Copperfield, 1849
English novelist (1812 – 1870)
You may already be in debt up to your eyeballs, or just starting on the road to financial freedom …
… in either case, the steps that I am about to outline will take you further than you ever thought possible and – more importantly – stop you from slipping back.
All good financial strategies begin with a budget, but I hate budgets!
Fortunately, the ‘budget’ that I am about to describe is a one time budget … it’s exactly what it says: it’s a type of budgeting exercise that you only need to do once, over the next month, starting today.
And, it’s not really even a budget in the traditional sense; it’s more of a budget-recording exercise: your ‘budget’ will become self-evident from the outcome.
Here’s how it works:
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