A friend recently came to me seeking advice as to how he may save more money. I quickly asked him whether he uses a budget to monitor his spending, only to find out he does not. This is not a surprise, you will find many people do not budget their spending, they go with the

I hear it all the time: “I want to save money, but I don’t know where to start.” This is a common complaint for many people who want to get their personal finances under control but can’t figure out how to begin. I’ve been in that position, and I’m here to tell you that the