Explanation of question 2

We all know what it’s like to just break even each month. We all know what it’s like to fall short. But we also know that it is simply unsustainable and completely detrimental to happiness to be stressing and fretting about the cost of living. You must arrive at a point where your income exceeds your costs.

And if you haven’t arrived at that point then you should at least be able to answer the question negatively and say exactly how much money you are short each month.  A detailed knowledge of your incomings and outgoings is the first step in taking action.

Question 3

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