Two minus four equals trouble when you are talking your budget. If you spend more money than you make, you will have money problems.
The problem is that you usually don't realize what you've done until it is too late. It's hard enough to keep track of checking account spending, but add credit cards, and spending can get out of hand. How many times have you used your credit cards to buy clothes, impulse items or even groceries, and said you'll pay it back? ...
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