Okay, I’m not going to lie.  Right now I’m a paycheck-to-paycheck person.  This is, in part, due to some pre-existing engagements that demand a fair amount of monetary input.  If I were to be 100% honest, this is also due in part to unwise spending decisions on my part.  Like a person who’s gone without food, when money is in sight, I spend with wild abandon. 

It has been said by multiple people that you should always have enough money on hand to cover an emergency should one pop up.  Guess who’s S.O.L if an emergency happens?  This guide – which is just as much for me as it is for you – is to show you how to get yourself on a stable enough ground to have a soft landing place, should something bad happen.

Budget

This is fairly simple.  Figure out how much money you have coming in.  Then figure out  how much money you have going out.  If you have too much money going out, then read the next section.  If you’re out of the red, then proceed to the third section.