Budgets Only Work For People Who Have Money To Budget   I can’t tell you how many times I’ve heard someone tell me that budgets only work for people who have money to budget. Most often the moment I hear that I know I’m in for a long conversation about life and how it all went wrong and it’s the worlds fault that they can’t balance their wants and needs on whatever income they have. I’m not talking about homeless people who have no money coming in unless a stranger walking by spares them a few dollars rather I’m talking about the people who do have dollars coming in month after month. In fact I bet there are some homeless people who are better at saving or even sharing what they have with others because they know they have to make it stretch or last until the next time, if there is a next time. Not harsh at all, just reality. It’s a reality that some people will never understand unless they live it and there are some of you who DO have a roof over their heads, income and means to spend less BUT opt for making excuses over […]