Have you ever noticed that you work full time and don't seem to be overspending, but you're still out of money when your next paycheck comes around? Have a read through the following few points I think can help you figure out what the problem is?

  1. Pay yourself first — 60% of U.S. citizens don't have $1000 saved up if it comes up at the last minute — Bankrate. The golden rule that can set you apart from people who scrape by every month. Paying yourself first is considered the golden rule in personal finance. You can pay yourself first by taking as little as $100–200 each pay cycle and putting towards…