I have been dreading this my whole life. I need to follow a budget so I can have a substantial savings account instead of the $80.01 I have in there now. I spend too much money on restaurants and not enough on my retirement.
socialgoals is feeling positive toward the end of the year
Maybe don’t worry about budgeting and instead just figure out some small amount of money to throw into savings and into retirement BEFORE it reaches your checking account. It’s so much easier that way. Then every couple of months, up the amount a bit if it feels comfortable.
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