1 To spend to meet your needs, wants, and desires.

2. To save.

3. To give away.

Money is a tool. Like any tool you need to take care of it. To save you have to know what you truly want out of life. When you know that it’s easy to develop a savings plan.

When I decided that I wanted to become a CPA it became easier for me to study and to focus on a ,Master’s degree in accounting. Studying for the CPA exam also became easier. I had a goal.

Sometimes when you make your decisions, things will happen to help you reach that goal. In my case an acquaintance of mine opened a new women’s ready-to-wear. I went to her open house and she asked me what I was doing. I told her I was going back to school to become an accountant.

She asked if I wanted a job because she needed a bookkeeper. I, of course, said yes. So, I got experience while I was working on my degree.