Having a well thought out budget can make it much easier for you to reach your financial goals. This is true regardless of your income level, current debt and savings, and ongoing financial obligations. Unless you have a plan on how much you’re going to save and spend each month, it’s difficult to ensure you’re always making progress towards your goals. Coming up with your budget is one thing. But making sure you stick with it is entirely another. After you prepare your budget, it’s a good idea to come up with a system for tracking your actual spending and...

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