Just be conscious of whether you’re using any additional money to simply increase your standard of living or to meet your specific goals. Depending on your circumstances, you may consider ways to increase what’s coming in, such as a side hustle. Of course, more income may mean faster progress, too. For example, a good next step would be to focus on tax planning. You can look for ways to adjust your spending and saving throughout the year. Once you’ve made good progress toward your critical goals, start tackling the rest.ĭon’t panic. Decide how much of the extra money you’ve found could be put toward your critical short-, mid- and long-term goals. For each, see whether it’s fulfilled or needs more funding, and if it’s critical. See what’s left to put toward your goals. Subtract your new/revised budget from your monthly take-home pay.
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