|Invoke Ebisu, the jolly Japanese god of commerce. Plan for a financially sound year by setting a simple budget. Make a spreadsheet (using Excel or OpenOffice) to track the coming twelve months. Under "Expenses," list all of your regular expenses, including utilities, housing, food, insurance, transportation, medical, dental, entertainment, and recreation. Under "Income," list all sources of money that flow to you, such as wages, trust funds, child support, disability allowance, and government support payments.
Knowledge is power, and knowing exactly what you earn and spend will give you the power to manage your finances wisely. Place the budget on your altar with a coin, an offering to Ebisu, and say:
"Bless me, Ebisu, you happy, prosperous god. May I have sufficient resources to cover my expenses. May I be happy. May I earn more than I spend."
Review your budget monthly, adding current data.