If you are having cash flow problems, this chart below may be a good place to start. Many Americans are not able to save 10% of their income – what ever happened to “pay yourself first?”
You may have an expensive mortgage and too much credit card debt, and before you know it your monthly income has all but vanished. If this is the case, I urge you to comb your expenses line by line and then compare to the pie chart below. What fat can you trim?