Money Management: Do I really need a budget?

Do I really need a budget? I used to believe that I didn’t need a budget. I thought the only people that needed budgets were those who had more money than I did. I had so little, that I kept track of every penny I found on the sidewalk! So…

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Money Management: hard won lessons

How to manage your money I didn’t know how to manage money well when I first lived on my own. As a college student, then a young mother, money management was confusing and challenging. It took a few years before I figured out the basics on how to manage your…

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