Now, I’m trying to strike a balance. It’s definitely liberating being able to say “yes” to more things, and I do get a rush every time I buy a drink ...

Let’s say your total monthly income is $4,000. Here is what your zero-based budget for one month might look like ... Zero-based budgeting is a very effective way to track and reduce spending to ...

If you don’t already have a monthly budget, stop what you’re doing and read these tips ... Before making any purchases, check prices at multiple stores. Price-tracking and price-comparison tools ...