Without proper planning, it is hard to make real progress. To achieve success in life, one needs to plan out every single move. It is easier to stay off track when you do not know which path to follow; similarly, people tend to overspend every single month because they do not follow a concrete budget. Budgeting does not equate restrictions on pleasure; on the contrary, a well-crafted budget allows one to enjoy luxury and other benefits. A budget is always pre-planned, so take time to draft … [Read more...]