One has a myriad of things that their money goes to every month. Things like food, retirement fund, and education may be at the top of the list. Take a piece of paper and evaluate what percent one wants to put towards their expenses. Some expenses one has might be: tithe, insurance, personal saving, debt, car and gas, entertainment, food, medical, vacation, special days and seasonal things, recreation, education, retirement, pets, etc. Calculate what percent one spends on each one from the total. One can construct a pie chart. Bestow the pie chart in different colors to show what percent one spends.
Determine how much one must spend on each one. The amount can be rounded off as well. The main idea is to pay back as much debt as possible. As a goal, try dividing the pie chart into four equal parts. Tithe 25%, save 25%, expenses 25%, and debt 25%.
Or make it look like a square with four equal parts that looks like four corners. Get multiple squares by finding other income. In this way, one can build a foundation to a financial sky scraper. Stand on top of this structure to see beyond the horizon. Collecting squares can be a great way to enjoy ones own life and can be done into the future.
But this digression can be reigned back to the main topic of living below one’s means and how, through this structure, it can increase.