I moved to Kentucky in 2008 when the economy crashed. Our family decided that it was time for us to live by a budget in order to avoid our own fiscal cliff.
Each of us puts our receipts into a jar. At the end of the month, we painstakingly open the lid and review each receipt to match our credit card statements, and to see how we are doing in meeting our budgeted expenses.
By careful examination, we discovered unauthorized charges. We also realized that certain months we had to spend less in order to stay within our budget.
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