We used to be those people who say things like, “Yeah! I think we can afford that.” Then spend the money without another thought. Four days before payday, we would get the dreaded notice of Overdraft & Fees!!
This literally was happening to us more than once a month! Things are quite a bit different now!
What did we change? Well, it’s not complicated at all. It’s called a B-U-D-G-E-T. Don’t freak out! (I feel like I say this a lot! Haha!!)