The first step to start saving money is to figure out how much you spend. Keep track of all your expenses—that means every coffee, household item and cash tip.
Once you have your data, organize the numbers by categories, such as gas, groceries and mortgage, and total each amount. Use your credit card and bank statements to make sure you’re accurate—and don’t forget any.
Tip: Look for a free spending tracker to help you get started. Choosing a digital program or app can help automate some of this work. Bank of America clients can use the Spending & Budgeting tool, which automatically categorizes your transactions for easier budgeting in the mobile app or online.
Once you have an idea of what you spend in a month, you can begin to organize your recorded expenses into a workable budget. Your budget should outline how your expenses measure up to your income—so you can plan your spending and limit overspending. Be sure to factor in expenses that occur regularly but not every month, such as car maintenance.
Tip: Include a savings category—aim to save 10 to 15 percent of your income
Answer:
what did you read? I can maybe help you once I read it
Modernism, in the arts, a radical break with the past and the concurrent search for new forms of expression. Modernism fostered a period of experimentation in the arts from the late 19th to the mid-20th century, particularly in the years following World War I.
The denotative definition of a word is its literal meaning. This would be the meaning one would find in the dictionary.
By contrast, the connotative definition is the meaning associated with the word. It is the implied meaning of the word.
For example, the words in bold have the same denotation but different connotations:
-- a beautiful woman
-- a handsome woman
-- a pretty woman
While all these words mean the same thing, they do not have the same associations.
SpongeBob SquarePants is a cute, cuddly, yellow, well-dressed sea sponge who is optimistic, friendly, nice, happy, loyal, funny, hard-woking, outgoing, selfless, sweet, innocent, forgiving, and very good-natured, and loves to have fun and silly.
