Over and over again, in budgeting articles and even books on personal finance, I see sample budgets that include debt repayment as if it were an expense. This shows a fundamental
One way to spend less is to take up a fun hobby. Try one of these great ones, and you may even improve yourself and your bank account along the way too.
Do you have piles of art and no money to spend on frames? Framing is expensive, but there are plenty of ways to display your fabulous art collection without having to sell a kidney
Keep the necessary documents to establish your identity and financial history in a safe, so you can recover from identity theft, fire, or home invasion.
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Debt repayment is not an expense
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