Chapter 5. Managing Your Money with a Budget
IN THIS CHAPTER
A budget is one of the most important tools available to you for taking control of your finances. In this chapter you’ll learn what a budget is and why it can be so useful. You’ll also learn how to use the budget template to manage your own money.
What Is a Budget?
Some people say, “I’m on a budget,” and mean nothing more than that they are limiting their expenditures. “I can’t go to dinner at Chez Pierre’s tonight because I’m on a budget.” In that sense, pretty much everyone is on a budget—after all, how many of us can spend money without limitations?
In another sense, a budget is a way ...
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