Do You Budget?
Since many people make financial resolutions for the New Year, I was just wondering...
How many of you actually have a budget? How do you budget - do you use software, spreadsheets, pen and paper?
Do you use your budget just to track spending, or do you actually compare your spending to your budget and make decisions based on those numbers?
I religiously track my spending, and I have a cash flow plan, but I've never considered myself a strict budgeter.
How about you guys?
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