Why Track Your Spending, Part II

A budget simply records how much money is coming in and where it is going out.  A budget makes no judgment; it’s a tool that tells the truth.  And once you learn how to use a budget well, it becomes an instrument that helps deliver your lifelong dreams.  A budget is a key tool in increasing savings and boosting net worth.

— George Kinder, The Seven Stages of Money Maturity



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