Saving money is never easy, especially for those living paycheck to paycheck. No matter how tight your budget, chances are you splurge on something.
If you're like me and prefer to fly by the seat of your pants and not plan out how you spend your day and dollars, savings plans can sound awful.
Financial planner Jean Keener says she can help with a spending plan.
Keener says you should map out what you get to splurge on and how often.
"The most important thing about a spending plan is that you have to do what works for you," Keener said.
I am able to build mine around date nights, Caribbean cruises, and Italian ice!
The experts say start with a calendar and plan out a date night every other week. Space out those cruises and Italian ice every Sunday with the kids.
Then, total it all up.
"The most important thing is to spend less than you earn," Keener said.
Now, here's where we save: dial it back just a bit.
Maybe take just one date or Italian ice trip off the calendar, and you've got extra money to put toward more fun on that cruise.
You can save for vacations, putting kids through college or whatever it is on your list of goals.