Most people spend 10% more than they make!

Dear Friend,

Have you ever tried to budget your money only to find yourself feeling frustrated? Does sticking to a budget seem like something you are incapable of doing? When you add up your expenses, do they exceed your income?
The truth is, most people answer yes to these questions. If you are one of them, I strongly suggest you create a working budget, as described in this month’s Item of Value.
If you’re like most of us, even mentioning the word “budget” can make you quiver. Similar to the word “diet”, it seems to suggest that you are about to deprive yourself of what you really want. The question is: what do you really want? If it is a desire to get ahead of the game and have a surplus at the end of each month, then read on and empower yourself with the knowledge to make it happen.
Treat your savings like an expense.

I hope you find this information useful.
Sincerely,


Juan Carlos Gutierrez