If you’re working on your budget but your expenses are more than your income, here’s what I would do! First, break your budget down into these categories then cut spending in any area possible. Then, I would use velocity banking with credit cards to free up cash flow! #budget #budgeting #budgetingtips | Ashallaboutmoney

There are two formulas that you can use to save money. 1. Income - expenses = savings 2. Income - savings = expenses It's effective to do the 2nd option but you have to audit your finances first if it's practical for you to do this. | The Present