The Table with Anthony ONeal

My Honest Advice to Someone Who Wants To Stop Living Paycheck to Paycheck

Jan 20, 2025
Explore transformative strategies to escape the paycheck-to-paycheck trap. Discover the power of disciplined budgeting and strategic spending for financial freedom. Learn the importance of setting boundaries with family and friends to nurture supportive relationships. Master time management to prioritize personal growth over distractions. Unlock proactive habits like budgeting and side hustles, and connect financial discipline to deeper principles for lasting transformation.
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ADVICE

Get Real About Budgeting

  • Write down every expense precisely and review all your bank statements from the last three months.
  • Identify and cut overspending, especially unused subscriptions and impulsive purchases.
ADVICE

Start Emergency Savings Early

  • Build savings gradually starting with one month’s net pay in emergency savings.
  • Transition to saving three to six months’ net pay once debt is eliminated.
ADVICE

Build and Protect Good Credit

  • Build credit simply and affordably using tools like Kikoff with no hidden fees.
  • Establish a good credit profile to unlock better loan rates and opportunities in 2025.
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