@Ken Writing down your goals is something many of us fail to do but it really helps. I find the best thing to do is to write down your goals and stick the paper somewhere very visible beside your bed. This way before you go to sleep and first thing in the morning you will be reminded of your goals.

@Wilhelm Yes I will be covering this soon. With a fairly new blog and a million different ideas running through my mind there are soo many topics I still have to write about.

@Clair Thanks for the detailed comment, you said it best.

First, save as much as you can. Ten percent is good, but I target something more like 20%, even if I have no specific goal in mind. When you establish a meaningful goal, chances are you have the funds to attain it.

Second, if you’re trying to reshape your budget to reduce the money that you spend, you have to focus on where you spend the most – housing, transportation and food are usually the heavy hitters. Look at large expenditures and frequently recurring expenditures.

Third, there are lots of things that are fun and don’t cost much money. Once a 13 year old complained to me that there wasn’t anything to do. He lived in a 50 acre personal park on top of a mountain and had every outdoor recreational activity immediately available to him. Nevertheless, he wanted to “do something that cost money,” as if that was always the more fun thing to do. Think of free or nearly free things as your first choice for entertainment and recreation.

Clair