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I want to fix my budget, but I can't budge it!
I can’t be out of money. I still have checks left.

It is an old punch line, but it is amazing how many people do not budget at all or fail to stick to a budget, if they start one.
That bain of the impulsive, budgeting, is critical for everyone if you want to buy a house, even for most wealthy people, before the purchase and after.
The daily paper of the ‘well off’, the Wall Street Journal, did an article on ‘The Best Way to Stick to a Budget’ recently (Monday 6/10/13).
There was a time when most everyone religiously used, tracked, and balanced their checkbooks every month. Remember those days?
 
Then debit cards came along and, I guess, that was the beginning of the decline of the instant record keeping that checkbooks engendered. It was harder to keep track of a ‘card swipe’ and harder still to remember ‘all those transactions’ when you got home. That is the excuse many used, including me at one point in my life. You know what happens then, don’t you? Hello NSF!
I’m sure there is a personality trait correlation to saving or not saving. Some are simply better budgeters than others.
According to the ... more

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