Budgets, we all know about them, we all have heard that they are what we need to do to get in better financially shape... but is it really that easy? Just do a budget they say.... how can you be in debt they say! Well... more people are in debt than you may realize and it comes with it's own chains... so there's  no judgement here, just an available seat for you at the table, and a warm beverage to go along with it. 

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