Budgeting apps vs pen and paper
There are many great budgeting apps. However, apps can be frustrating and boring to use, or we may just get lazy.
Sometimes a pen and paper work best because it gives you a hand in your budget. With this method, you can also change your budget when you need to include extra expenses.
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"In fact, the confidence of the people is worth more than money." ~ Carter G. Woodson
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