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It’s not difficult to make a budget (and stick to a budget) if you have a game plan. Getting your money organized will allow you to get the most out of your current income. It will help you avoid account draining late fees and overdraft fees, as well.

For many people, sitting down once a month to make a budget isn't an effective way to manage their household finances. Unexpected expenses, little emergencies, impulse purchases, and even back to school expenses don't always fit neatly into a strict budget. Having a budget that works well for you...