I held myself back with false beliefs. If I save, I can’t enjoy life. I can’t save because I’m poor and will stay that way forever. I spent based on emotions rather than spending based on need. I spent most of my paycheck, sometimes overspending and accruing overdraft fees. It was impossible to budget and save money because my pay was irregular. I feared and avoided making budgets.
Annie taught me how to save money and prevent getting into debt. Now, no matter how irregular my paychecks are, I find ways to save money and make my dollars stretch farther. Her budgeting forms are so simple, it makes saving money pleasurable. I’m still building my emergency fund but today I am much happier.