Budgeting sucks. I know there are a few people who enjoy it. My wife actually likes keeping track of our expenses, to the penny. If that describes you, I'm happy for you. You probably don't need this chapter.

But, I think most people agree with me—doing a budget is about as exciting as crawling through a muddy field in the rain. I used to balance my checkbook by checking the available balance printed on my ATM receipt; as long as it showed I had money, regardless of whether or not there were outstanding checks, I felt I was good to go. I know many people who balance their checkbooks each month ...

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