With regards to financial fitness, we've talked about the importance of goal setting, understanding your monthly expenses, and making lifestyle changes. If you haven't read those articles, go back to either part 1, part 2, or part 3!
If you have established the importance of going to Paris in your mind, it should have been easy to review your expenses and begin to make lifestyle choices that are better for your bank account. The last real step is to make sure you actually get all of your savings.
Every month you should compare your four week pay with your monthly bank statement and see if the gap between the two gets a little larger each month (in the right direction, of course). For the first few month, this will be a challenging exercise and you may not actually see significant changes, but eventually you will. And then something wonderful will happen. In the thirteen week of your plan you will actually get an extra check. I mean, you won't really get an extra check from work but you will have a month in which you get three checks instead of two. If you have been spending less in a month than your four week take home pay, then this extra check represent a windfall. It really is just extra savings!
Now, the important thing to do is to save it. After all, you may need the money in case you have an emergency. But this extra check that you will receive twice a year, plus your monthly saving should be enough to both pay for a nice vacation and allow you to start a savings account!
This dual win is the kind of thing you need to get on the road to financial fitness! Hope to see you at the Eiffel Tower next year!
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