I am stepping out of decluttering mode this week to talk about organizing or managing your money. You do not need to have millions to organize your money.
At this time of year money seems an issue. Christmas sometimes seems to be all about MONEY.
Since I am not an expert in this area, I am going to recommend a money system I learned from the one and only T. Harv Eker. Anyone can use his system if you have $1.00 or $1,000,000.00. He uses a 6 jar system. His system is basically:
Spend 55% of your income on rent, food, electricity and bills
Save 10% for big purchases or a rainy day, special vacations and medical expenses.
Spend 10% to play--spoil yourself and your loved ones
10% on education--be a life long learner
Invest 10% --Pick your own investments...Real Estate, Stock Market you get to pick
Donate 5%--Contribute to something YOU believe in