Now is the time to do some mayor fastening. Analyze all the information included in your budget and tag expenses with the following labels: essential, non - essential, superfluous. The difference between non - essential and superfluous expenses is that non - essential expenses are avoidable but contribute to your well - being, such as gym or yoga classes while superfluous expenses are avoidable and do not contribute to your well being.
Immediately cut on all your superfluous expenses and do whatever possible to cut at least a 30 % on your non - essential expenses. Try to find a cheaper gym, or reduce the frequency of attendance to classes, etc.
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