The Essential Guide to Saving Money and Living the Frugal Life!

Some of the most frequently asked personal finance questions during this difficult economy revolve around "how to budget", "how to make a budget" and "how to live on a tight budget". Budgeting your money successfully is crucial to flourishing in any type of economy, much less a tough one. There is a common misconception that good budgeting depends upon fancy forms, financial expertise, software programs and solely on one's income. All of these false notions completely circumvent the only true goal of any personal budget: Getting the most value for each of your hard-earned dollars. 
Those misguided beliefs above are the key reasons why many people are much worse off than they should be, regardless of income levels or familiarity with financial software. There are many people who are much "better off" with a lower income and a simple budget form than those with great salaries and top-notch computer programs. These successful folks are the ones who have learned the secret 
 

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