Money

Money is the word on everyone's lips right now.
How do I make more money? Where is all my money going? How can I afford this?
2023 is expensive I think we can all agree with that. Life right now is expensive.
Remember when we could go buy Microsoft on a CD install it and we owned it, nope not anymore now it's a monthly/annual subscription to access those programs.
No mobile phones just one landline, one bill a month now we have an internet bill, plus every member of the house has a mobile phone, so here in my house we have 5 bills there. 
This is life right now we can't avoid it so what is my point here, we need to be smarter. Look at your income, look at your spending each week/month/year. Switch providers, look for a better deal, do you NEED 5 different streaming services? Probably not!
Assess what you need, then what you want (and can actually afford).
I hear every week "I just can't cut costs anywhere" but this is not true stop looking at your WANTS as needs and you can cut back.
It doesn't need to be forever either just till you are in a comfortable position again and you might even find you didn't need any of those wants and won't want them again.
The same goes for in business, assess what is making you money and what is costing you money. Most people are not great at everything, work on what you are great at and can make money on then look for who is great in other areas and outsource to save money while you concentrate on making money. 
Any don't even get me started on the food bill.....

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