“New year, new budget,” the saying goes. Or “New year, no budget,” depending on your approach to financial goals.
Among those who give personal finance advice, there is a debate over budgets. Some say a budget is the only way to keep spending in check. Others say they can put people off looking at their finances altogether.
juliaccarpenter Believe me not long. BAR
juliaccarpenter I believe in Income - savings = expenditure
Everyone should use ynab full stop
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