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Category: Budget

Budget vs. Spending Plan: What’s the Difference?

If you’re reading this, you’re ready to take the next step in shaping your financial future. The baby step of all baby steps would appear to be creating a budget, right? Well, there are a few ways of monitoring your spending which many financial experts disagree on. Gurus like Dave Ramsey advocate for strict zero-sum budgeting, which is when all of your income has an allocated place…