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For those that don’t think they’ll be able to complete and file their tax paperwork before Tuesday, April 17th deadline, there’s an IRS-approved way to get a free 6-month extension that only takes about five minutes.

Having money set aside to cover minor emergencies, funding your retirement, and knowing that if you lost your job you could still pay the bills for a few months offers the kind of peace-of-mind that makes saving money worth the effort.

Sticking to a budget presents a challenge for many people. For some, using budgeting software helps make the process of allocating income to categories easier. Having constant access to your budget, even when you are out and about, helps keep financial goals front and center.

There’s more to financial responsibility than having a budget. It’s a great place to start, but living within your means is a crucial money-management skill.