That could quickly lead to trouble if you don't plan, says Wells Fargo Advisors Senior Vice President Mark C, Smith. "Have a fixed budget, know what you’re spending every single month. If you’re bringing in less money than you’re spending every month, you’re going to have to make drastic changes,"
Smith says if you don't make changes, you're headed towards bankruptcy. He says beware of using credit cards to close the gap. "If you don’t have the discipline to pay your bill at the end of the month, in total, rip up the credit card and throw it in the garbage." We get into the reasons for this and get tips from our panel on the next episode of Street Soldiers on Friday.that I have read and agree
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