Your Budget start in 2020!
How are you doing with your money in the new year? People that I talk with answer that many different ways. Some say that they are doing well. Others say that nothing has changed. People that are doing well with their money report that they have more confidence that they know where their money is going. Their budget or spending plan is not perfect but it is getting better. They are making progress in being more effective telling their money where to go. They have set some goals and are making progress toward them. It may be a starter emergency fund or beginning to reduce debt. The common denominator of progress with your money is a budget. Those people that are struggling with money are frustrated. Some of them report…