Queen of free: Create basic family budget

If I could sit down at your kitchen table and share one life skill with you, it would be how to budget.

Perhaps you are a numbers ninja and your head is filled with dreams of spreadsheets and ledgers in the late night hours. This column might not be for you (but keep reading anyway because you might learn a new ancient budgeting secret, and we both know you are always looking for ways to improve your bottom line).

However, if you are like most of America, you might not even have a clue as to where to begin when it comes to budgeting for your household. Or even if you have tried your hand at budgeting before, it has come to a miserable halt and you feel stuck.

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