Being broke sucks, and it’s even worse when the world thinks you’re broke because you spend too much on luxuries. When you’re struggling to get by and you’ve cut your budget to its bare minimum, avocado toast is the last thing on your mind. You are, however, often tempted to just give up and spend…
A friend of mine is a career counselor. During sessions, she inevitably asks clients: do you have a budget? A common response is: No, because I don’t have a lot of money. The good news is: you don’t have to be rich to come up with a budget.