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"I'm on a budget." How many times have I said that and not ACTUALLY been on a budget?  Countless. I didn't even really know what a budget...

Do you save money for Christmas or wait until November to think about it, hoping and praying that you can pull it all off? Or maybe put...

Rule #2 of the You Need A Budget Method is about saving for your true expenses: things that you know are coming up, but still act...