00:00 Achieving your personal finance goals can seem overwhelming, but the key is to break
00:05 them down into small steps.
00:07 First, try automating saving.
00:10 Set your accounts up with an automatic deposit every month.
00:13 You won't even think about it until you look in your savings account and see how much you've
00:18 saved.
00:19 Budget for fun.
00:20 You may think sticking to a budget means no more lattes and no more fun.
00:25 Not necessarily.
00:26 You should have a category in your budget for impulse spending.
00:29 This way, you can still have that feeling of spontaneity within the boundaries of a
00:33 healthy budget.
00:34 Negotiate bills.
00:35 Don't be afraid to negotiate with service providers like cable companies and insurance
00:40 providers.
00:41 You would be surprised what offers you may get when you try to cancel a service.
00:46 Figure out the daily cost of something.
00:48 If you buy a cheap, fast fashion coat, it may cost less up front, but won't last long.
00:54 A quality coat may cost more, but will last longer over time.
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