Over the past couple years, I’ve tried to use a budget. It’s not worked for me yet. I’ve
always been the type of person to buy what I want. The actual process of creating
the budget wasn’t hard per say but sticking to it isn’t a strong point of mine. I’ve
tried tracking my expenses and identifying my variances. However, when you are a
spontaneous buyer its hard. The closest I come to tracking my expenses and
