I could say hubby and I are earning fairly high enough to build a good savings account. But, at the end of the month we always find our account with no movement or even less than the amount we first have. Budgeting seems easy, but it always fails for us. I have been reading a lot of budgeting advice and steps and I can say I followed such.

We could have been spending on something that keeps us from saving enough. That is my goal now because I am determined to have a significant savings for our future.

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