@chukkydaniels: “The Ultimate Encyclopedia of Financial Intelligence.” There are barely any folks out there who will sit down and create a budget for themselves. Some feel that it’s not worth the effort; others just don’t want to restrict their spending. The reason why personal bankruptcies are at an all-time high should come as no surprise to you. We have reached a stage in our society where people buy things because they want them now, no thought about the consequences. A budget will help avoid this by making an individual accountable for the income that they spend. Get details now. https://tinyurl.com/3wc98ks7