Spend less than you make.

That's the key to financial success says Connie Unruh with the TS Institute in Clinton. Unruh explains if you struggle with this, you should consider tracking what you are spending and what you are bringing in.

For someone on a fixed salary or income, planning for spending is going to be much easier. If you work a job where your salary may be inconsistent or reliant on a certain amount of hours, Unruh says you'll want to build in a bigger buffer for your spending.

When you first start out intentionally budgeting, Unruh encourages skipping all discretionary spending and sticking with only the basics and your needs. She notes, there's, unfortunately, a lot of contradictory messaging as it pertains to things we need and things we want. 

If you're looking to get your financial house in order in 2022 and would like a more personalized approach, Unruh offers one-on-one coaching. If you're interested in speaking with Unruh, you can contact her at First National Bank in Clinton at 217-935-7464.