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Category: Spending

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…

Top 7 Reasons You Might Be Broke Every Month

Payday has arrived! Your cup is full. You live your life to the fullest for a couple of weeks. By week three, you’re running at 10%. The end of the month rolls around and you are completely broke. What happened?  With 78% of Americans feeling completely depleted at the end of the month, you are not alone in wondering where all your money went. Let’s examine the…