Read the full article here: 10 Days to Total Financial Fitness, Money Magazine, March 2015

What’s my day-to-day routine?

The very first thing Rochester, N.Y., CPA David Young does with his clients is go over their spending. Budgeting apps, he notes, “make the invisible credit card charges visible.” As important as the “how much” is the “on what,” says Fred Taylor, president of Northstar Investment Advisors in Denver. Divide your expenses into the essential costs of living, investments in your future (savings, education, a home), and the discretionary spending you have the flexibility to cut.

Read the full article here: 10 Days to Total Financial Fitness, Money Magazine, March 2015