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A good budget isn’t a “set it and forget it” type of deal. For a budget to work, it has to be a lifestyle, so it must evolve with your life. Each month, you have different needs and expenses—we all do. In order for your zero-based budget to be successful, you need to consider what extra costs will

The holidays are just around the corner, and hosting gatherings is a great way to bring the family together and show your love and appreciation for one another. However, hosting can get expensive. It’s a lot of little things that add up fast, and it can easily break your budget if you don’t have a

There are only a few moments in our lives when we’re pressured to really spend big! We feel that pressure when we buy a home, go to college, and get married. Weddings have gotten outrageously expensive, with the average American spending almost $30,000 on their big day. WOW.  If you’re planning

We all want to give our kids everything that they want and deserve. For some of us, this is one of the very reasons we’re in such a big financial mess. Saying “no” to our kids is definitely hard sometimes, because we never want them to interpret our denial of their request as lack of love or

Budgeting every month is a great way to avoid financial problems from unexpected expenses and big purchases. Sometimes, things are just more expensive than we can pull off in a month! What if you have to renew your vehicle registration, pay an emergency vet bill, buy an anniversary gift for your

Having a zero-based budget that you make once and forget sounds like the easiest way to get the job done. However, budgeting just doesn’t work like that! Life isn’t the same from month to month, so you need to remake your budget monthly to plan for those changing circumstances. When you do this,