1| Set Your Financial Goal

2| Determine Your Net Income

3| Divide your net income into 30-30-30-10 percentages

a| 30% For Housing like mortgage or rent

b| 30% For Necessities like groceries, utilities, clothing, phone, Internet, school needs, and other necessities

c| 30% Financial Buckets like your savings, investments, debt repayments, saving for retirement, and any financial goals

d| 10% For Fun like vacations and other entertaining activities

4| Track Every Penny