Pick one thing
It’s overwhelming to start. Whether it’s a project of saving money (Have you signed up for the $1000 savings challenge yet?) or paying down debt or just getting a better handle on your finances. This is particularly true when you have a lot of big expenses that pile on one after the other.
It’s tempting to start looking at your budget and just SLASHING things from it. When you are looking to cut costs you may want to analyze your grocery bill and go to all the different stores to get all the deals and coupons and points.
Diving in head first and committing totally to a new lifestyle usually doesn’t work. Becoming extreme right away works for a short amount of time and then fails spectacularly. This is part of the reason why I don’t recommend No-Spend Days. If you are feeling overwhelmed with your finances and your goals, then here is my advice. Take it or leave it as you will.