One of personal finance's biggest 'must-haves' is having a strong monthly budget on paper. Understanding money coming in and out is fundamental to appropriate spending.
Instead of spending $20 weekly on lottery tickets, use that money to treat yourself to a meal. The odds are often considered 1 in 292 million.
If you spend roughly $5 a day on Starbucks, this adds up to $100 a month and $1,200 per year. Brew your coffee at home.
Store brands at Walmart, Aldi, or Target are far more cost-effective. The savings add up quickly; if financially struggling, every penny counts, especially on food.
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