Tag: Budget

Every year before I got serious with my finances, I would tell myself, ‘this is the year I stick to my budget’, then a friend would call me to go out for lunch that was not included in the budget, or my day would not be going well, so I would decide to console myself with a new pair of shoes; the list is endless of what can derail me from my budget! ‘Things’ just seemed to come up all the time!

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