When you are creating a budget you don't have to give up everything you love. Make sure you include things that you love to do, like going to dinner, shopping,etc. 

In this episode I go over why I think you still need credit cards and credit. Most people can't pay cash for everything like a house, car, etc.

In this episode I will share different things that you can cut down in your bills, or things that you can change so you can save money every single month.