We tried several times to cut back on luxuries, and even some necessities, to gain financial breathing room. It was always a temporary fix, and never worked for more than a few months for us. Years before we formed a…
Tag: budget
Do I need a personal spending budget?
By my late twenties my spending was almost double my yearly salary. I had been married for a few years, had a young family, and a home partly owned by the bank. The postman was almost a family friend, because…