We all have those times when we find our check is not only smaller, but will remain that way. It can be an increase in taxes or a reduction of hours. No matter the reason, you have to adjust your spending to be under the new, lower amount.

My favorite place to go when I need to adjust my spending is www.crownmoneymap.org. It is one of my favorite links because they have a free spending plan online calculator. It lets you put in your income and they give you a suggested range for each category.  Your housing expense may be at the top of the suggested range, but you can make up the difference by spending less on food, clothes, entertainment, etc.

I highly recommend their book, “Crown Money Map – the Steps to Financial Freedom”.