Hello all my lovely people. February 2018 has been here for 5 whole days and get this financial butterfly flying. There are so many places on my list of places to travel and things I want to buy including a car and getting my own place fully furnished.  All of those require discipline in the savings and spending department. When I sit back and think about where most of my money is going, I realized that uber and food purchases are the most draining on my account. I’ve started packing more lunches, snacks and cutting back on going out as much as I did. I’ve also started taking public transportation more. There are many ways to cut back on spending and I encourage you all to do so. It’s time for me to head to class. Until next time peeps. Peace!