As mentioned, 66, You need to analyze where every dollar is spent. Also, each month you should be sitting down with the spousal unit and spending each dollar on paper.
Check out Dave Ramsey's "Total Money Makeover" book, and check into a local "Financial Peace University" class. They'll help you "get a grip" on things. Also, check out the book "Richest Man in Babylon". Has some good "methods" just like Ramsey's. Pay yourself first, live on whats left. Otherwise, you'll always be on step behind.
I'm willing to bet there's plenty to save there in that $90k/yr salary. But you've got to know the difference between a "need" and a "want'. What's important vs what is a luxury. And learn to tell the man in the mirror NO. If there isnt enough to save on that 90k, then as Greg mentioned, you're likely living beyond your means (house too big/too expensive, cars financed that are outside your means, toys, etc).
First thing you gotta do is recognize there's a problem. Then set goals and a plan to over come it.
__________________
Albert
My Toy... is actually a 1973 Camaro LT and a '09 HD Dyna. 
|