Pay yourself first: subtract your monthly bills from your monthly take-home pay--including what you plan to spend on necessities like gas and groceries. Then figure out how much you want to save each month, and whatever is left over is what you can spend for the month on fun/extra…Â
I've had trouble sleeping since I was toddler (sorry, mom!). I *try* to keep a strict bedtime and 45-60ish minutes before I go to bed, I turn off my main light and turn on a soft lamp. Take melatonin. Put away all electronics 20-30 minutes before bed, and read. Doesn't always work...I'll…Â
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