Carnival came early this year so everybody was down to their last coin waiting for February to hit. February come and gone but somehow you still find that yuh scrunting when yuh wanna hit a Tobago for Easter. We have a plan for you to stick to every 2 weeks when it comes to your bank account.

50% of your salary should cover all your necessities: Mortgage/ Rent, phone bill, cable, gas, groceries..everything. If you’re not covering costs with that amount..its time to cut back on something.

20% should go towards savings. Long term investment scares some people because you feel you might need to take a small touch in the pot if hard times hit. S o split up a 10% for long term investment (like annuities)and 10% for a regular savings account for emergencies.

30% is the best allocation. This is for whatever your heart desires. Sushi, Trotters, 51, Zen, bake and shark, Bang Bang, Tom Ford shades online…anything you feel to buy to reward yourself…go for it!

We know that all of us spend so much more than this every month but getting into the habit of splitting your money and having exact amounts that you can spend will help you sleep easy.