Planning a family budget is an eye-opening experience. After adding up income (the easy part) and subtracting realistic expenses (the hard part), the result is usually one of two things: you’ve identified places where you can cut expenses to save more, or – gulp – you’ve realized you don’t make enough to cover everything you need.
It’s no secret that lots of folks live paycheck to paycheck or can’t even make ends meet. As a matter of fact, a 2007 report from the Center for
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