![]() ![]() Small changes can add up, such as turning the heat down a few degrees in the winter (and turning your AC up a few degrees in the summer), buying-and stocking up on-groceries when they are on sale, and bringing lunch to work. ![]() Keep it below 50%: Just because some expenses are essential doesn’t mean they’re not flexible. Debt payments and other obligations-credit card payments, student loan payments, child support, alimony, and life insurance.Transportation-car loan/lease, gas, car insurance, parking, tolls, maintenance, and commuter fares. ![]()
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