Carlos Corner Money saving tips
Hey want to start saving a little something but can’t get started?
Making a budget doesn’t have to be painful. A Budget is just a plan for how you’re going to the money you have coming in for the expenses you have going out.
Write your savings plan down
Pay yourself first (otherwise there is never anything left over)
Stick with it (if you fall off, start again)
Go Digital (use your phone to keep track of expenses, Ipad etc)
Keep it simple ( make it an easy plan for starter)
Ask for help (Non profit counseling services, on line help)
Calculate your Debt to Income Ratio (DTI) = Total amount of monthly bills divided by Monthly Net income.
Try to always live on less than 50%.
Carlos Martinez was born in New York City and has been in Las Vegas for many years. With a degree in Materials Management from Cal State Fullerton he has been in the finance industry for over 20 years. Carlos teaches budgeting classes and credit to adults in the Las Vegas area, Carlos has hosted a local radio show for 13 years where he helps the greater Las Vegas answer financial questions. Carlos has started his own on line store that features items from his favorite subject New York City! Visit him at NYTeeshirts.com