Re: The problem with being budget minded is other people.
I don't have the call waiting, etc. that you can get with phones either. All I have is a cheap answering machine and I let it pick up for me. I loaned a friend $500 one time and it took her 4 years to pay me back. This same friend used to rack up $200-300 phone bills every month. She and her husband work together, but they each have their own cell phone.
I have tried for years to teach her to budget. She spends money all the time, but never has had $10,000 in the bank. Until her husband got hurt and got some accident money, she never had more than $50 saved up in her life.
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