Budgeting: A Dreaded Necessity

Budgeting…. everyone’s favorite topic *insert sarcasm*. Americans are notoriously bad at budgets, so it’s usually a sore subject, but a necessary one. Multiple surveys show that the majority of Americans have less than $1,000 in savings. How can this be!? A huge reason for this: Americans have been conditioned for instant gratification. Want a new …

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