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Are you living paycheck to paycheck, or do you have enough money in a savings account or an emergency fund to cover next month's bills?

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A 2021 study by Philadelphia's Federal Reserve Bank showed that approximately 2 million American households owe about $15 million in unpaid rent. The same research links high levels of debt to psychological and emotional turmoil.

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Follow the steps below to learn how to get ahead on bills by creating a budget, tracking your spending, and saving for long-term goals.

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Step 1: Analyze Your Current Financial Situation

Look at all sources of income, including your paycheck, investments, and any other side hustles. Then look at your spending, including rent, utilities, food, entertainment, and other bills.

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Step 1B: Determine How Much You Need To Set Aside Each Month To Meet Your Goals

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Budgets are essential. They help you to allocate funds to where you need them most. It also enables you to save money and plan for the future.

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The first step is to break your budget down into categories. Common categories include housing, food, bills, entertainment, transportation, and savings.

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wealthofgeeks.com

How To Get One Month Ahead on Bills and Meet Your Financial Goals

Are you living paycheck to paycheck, or do you have enough money in a savings account or an emergency fund to cover next month's bills?

A 2021 study by Philadelphia's Federal Reserve Bank showed that approximately 2 million American households owe about $15 million in unpaid rent. The same research links high levels of debt to psychological and emotional turmoil.

Follow the steps below to learn how to get ahead on bills by creating a budget, tracking your spending, and saving for long-term goals.

Step 1: Analyze Your Current Financial Situation

The first step is to analyze your current financial situation. Understanding how much you bring in and where your money is going can help you set financial goals and create a plan for reaching them.

Look at all sources of income, including your paycheck, investments, and any other side hustles. Then look at your spending, including rent, utilities, food, entertainment, and other bills.

Step 1A: Evaluate Your Current Income and Expenses

Step 1B: Determine How Much You Need To Set Aside Each Month To Meet Your Goals

Based on the amount of money you have left, how many months will it take you to save up for your financial goal? You can then determine if you need to save more aggressively or not.

Budgets are essential. They help you to allocate funds to where you need them most. It also enables you to save money and plan for the future.

Step 2: Set up a Budget and Save

The first step is to break your budget down into categories. Common categories include housing, food, bills, entertainment, transportation, and savings.

Step 2A: Create Categories

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