The Only Way to Budget if You Have No Savings. I'm so glad I found this! I had no idea there was a free option better than the paid budgeting programs. Perfect timing since we just found out the exact amount of debt we have. We really need this!
If you have ever gotten a raise and noticed that you run out of money just as quickly as you did before, you probably live above your means. The good news is that you can learn to live below your means.
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Sometimes, running out of money before you run out of month isn’t a sign that you don’t have enough money coming in—it’s a sign that you live above your means. How do you know if you’re the type to live above your means?