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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.

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.