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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.

If you feel like you can’t break the paycheck-to-paycheck cycle, you aren’t alone. GOBankingRates issued a report during the fall of 2017 that says nearly 60% of American workers have less than $1,000 in a savings account. Only one in four has more than $10,000 in savings.