If you’re not living on a budget, now would be a great time to start! Even if you’re not as impacted financially as some right now, making a budget will show you exactly where your money is going. It also does you the favor of showing you places where you can cut back. Take a look at your online banking, your credit card statements, your check book and/or whatever means you use for spending. That’ll help you identify areas that are still getting too much attention from your wallet when times are tight.

Mandy’s Fabulously Frugal Fact is made thrifty by:

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