income

While a budget should be bullet proof it should not be cast in stone. As your personal circumstances change, so too should you budget. Poor market returns, unrealistic goals or expectations or changing jobs may necessitate that you adjust your
If you don’t have a natural inclination towards saving, start out small and set mini-goals that are both realistic and achievable. Rather than thinking ten years ahead or trying to save for something big, set smaller, shorter-term goals that you