Anyone who has ever made a budget knows that if you are spending
more money than you’re making, you have to figure out how to reduce
some of those expenditures. This means listing everything you spend
money on in any given month and then deciding which expenses are
necessary and which are not. At some point, if you’re going to
disrupt the pattern of over-spending, you will have to start
eliminating some unnecessary expenses and reducing others.
For your average family, this usually means eating out less, going
on fewer vacations, not buying new clothes as frequently, and maybe
even dropping your cable or satellite TV service. Obviously…
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