You intended to "pay yourself first" with $35 into your savings account every month, but it looks like that’s not happening regularly. Figure out how much you can afford to fix the problem.
If you pay yourself first, you pay yourself (usually via automatic savings) before you make any other expenses. In other words, prioritize long-term financial well-being.
Automation is an easy way to pay yourself first. If you have a 401(k), set up contributions from your pre-tax salary to your 401(k). Also, use the app or log into his website at your bank to arrange automatic transfers from your checking account to your savings account or IRA.
When creating a “pay yourself first” budget, one of your first questions may be, Most experts recommend saving at least 20% of your income each month.
Learn more about a savings account at
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