R&G|MAGAZINE Edition #12 - July 2015 | Page 10

efore you can solve any problem, you have to understand its root cause. In this case, we are trying to figure out how to save money on everyday expenses. The first thing you have to do is assess your spending habits. In a typical month, what are your recurring and variable expenses? Once you have figured out where you stand you can start making a few changes – and no, we are not talking Greek austerity here! Here are 6 of them: 10 11