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A budget is basically a plan on how to spend the income you have. One way to do this to first track all your expenses for a few months and then set up a budget to trim your ‘lattes and avocado toasts’. Personally, I’ve never liked the idea to focus on such details.   Setting

Just when there are studies that show that money doesn’t lead to happiness, how can I claim that having a stash of emergency money will make you happier? Actually, the studies refer to money above a certain level. Everyone needs some money to cover basic physical needs (like food, home, clothing) and security needs (like