Do you have a budget ?

Habit Yearly Cost
Daily Cup of Coffee $550
2 Packs of Cigarettes/Day $2500 – 3200
1 Hardback & 3 Paperback Books/Mo. $700
Lunch Take-out 5 days/wk @ $5-$10/day $1300 – $2500
3 Drinks at a Bar/Wk. $950 – $1100
3 Six-packs of Beer/Wk. $600 – $1000

Where can you cut back to put money in savings ?

How do you budget in a week, monthly and or during the year ?

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