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One of the hardest things about saving money is just getting started. This article is step-by-step guide on how to save money and it can help you develop a simple and realistic strategy, so you can save for all your short- and long-term savings goals. Step One: Record Your Expenses In order to save money effectively, one must figure out how much they spend on a daily, weekly and monthly basis. Keep track of all your expenses; this means every coffee, household item and cash tip. Once you have your data, organize the numbers by categories, such as gas, groceries and mortgage, and total each amount. Use your credit card and bank statements to make sure you are accurate and don’t forget any. Tip: Look for a free spending tracker to help you get started. Choosing a digital program or app can help automate some of this work. Step Two: Budget for Savings Once you have an idea of what you spend in a month, you can begin to organize your recorded expenses into a workable budge

Since the introduction of the internet, you can now find jobs that do not really require a degree yet you can still survive. In fact, there are certain skills that anyone can learn from the internet that pay good money. The interesting thing is that these skills can open employment doors to those who possess them. So, if you think that a degree is hard or you want to pursue something that might not have an employment value, you must learn different skills. The amazing thing about these skills is the fact that you can use them to create a business and be the employer and you will hire people instead of waiting to get hired. So, let’s dive right into what you can possibly learn on your own. 1.       Programming (Basic to Advance Coding): The internet is full of programming resources and lessons on various websites like YouTube, Lynda.com and many other platforms. You can learn these skills for free and you can pay for certain courses that have more sophisticated teaching meth