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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.

While a budget helps keep your spending in line and tells your money what to do, it should also work to give you a life you enjoy. Keeping up with bills and saving for seasonal expenses and emergencies creates a stable and productive financial future.

Did you know you can save money on fees, build a good credit history, and reduce the amount of stress you feel about your finances just by taking a few small steps toward better organization?