Just added this to my list to go along with my “get out of debt” goal. i actually create a budget for myself every month, but i can’t seem to stick to it – (i write it all down in my planner, which is not working). I think a more detailed online customized template would work better for me, but I can’t seem to find one that doesn’t require me to pay money to download some kind of software. I refuse to pay for anything to help me create a budget! Any advice?
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