search box, the words withholding allowances pulling up a simple work sheet. fill that out. it will tell you how many withholding allowances you should indicate on your w4 then go into your person and have it adjusted. more in your pocket every month. what about $5, $10, that s a good way to save. what can you cut that money from? we ve discovered cutting back rather than cutting out is more effective. particularly long term. $10, you can shave that off your grocery budget, clothing bchs. gives, miscellaneous items, never feel it. never miss it. $10 in 10 categories, $100 a month savings. what about bad habits? maybe not quit cold turkey. if they pair back, they can see it. absolutely. you know your bad habits and what you need to stop financially and personally. things like playing the lottery,
scratchoffs, ronline gambling, smoking. any of those bad habits. cut back or cut out significant savings. what about cutting things we all pay for every month but just don t use them all the time? the gym. that s a good example, right? oh, the gym s a great example this time of year, because everyone was well intentioned and signed up for the gym membership in january. check your automatic drafts. where you re going to see, a gym membership, maybe a movie sub sdlapgs you never order a movie but it s being drafted each month. magazine subscription, newspapers, watch things like that. and credit card reform, which is helps folks on some of the fees on credit cards and debit cards, but you still have to watch out for the fees. right? absolutely. even though the card act took care of some of that and kept it one overlimit fee per month, that still could be $30. what about the atms because