Conscious Spending Plan

Since you now have an idea where your money goes and how much goes out of your account, it's good if you set up an automated system because you won't have to worry about your checking account not having any money in it when you direly need it.

As long as it works for you, then you're on t...

• Myth - I don't need to budget: A budget focus on identifying all the expenses that are likely to occur during the month, quarter, and year. A budget can identify costs that could be reduced or cut.
• Myth - I'm not good at math: Budgeting software on...