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With the economy in the tank, it’s more important than ever to tighten our belts and get our finances under control. The most effective tool to do this is the lowly budget. I’ve had an on again, off again thing with budgets. But when I’ve used them, my financial situation always improved. Of course, what ends up happening is that I get lazy, stop making time to review my budget, and fall back into just sort of winging it with my finances. While I don’t start spending like a high roller, I’ve not |