The first step to creating a solid cashflow plan is to have the right banking structure in place. To be on top of your cashflow, you need to make sure you aren’t allowing the cost of your lifestyle to creep beyond what you can afford, and that you have a plan in place so that incoming funds seamlessly flow between accounts and expenses.
If you don’t have a plan, you are likely to lose funds to seemingly small expenses that add up significantly over time. Multiple bank accounts make you pay attention to those small things.
To me, budgeting is a bit like a diet. If it’s really strict, pretty bland
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