In regard to budgeting, if you want to achieve your financial goals, it is essential that you

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You cannot achieve your financial goals unless your budget process places a high priority on saving and investing. If you put a high priority on saving and you do not use credit to spend beyond your income each month, you will be able to accumulate wealth that can be used to meet your short-term and long-term financial goals.

In Regard to Budgeting, If You Want to Achieve Your