ACCOUNTS

Yeah, yeah, it sounds obvious, right? 

Here's the thing:

It's easy to KNOW that you should be spending less than you earn, it's a lot harder to actually do it.

However, if you want to escape the paycheck-to-paycheck lifestyle that so many others live,  you need to spend less than you earn. This is one of the most crucial but basic personal finance tips ever.

In order to do this,  you need to  track your spending. You can do this by either writing your purchases down or by using a free personal finance app.