Bottom line in budgeting is to cut out all unnecessary spending, if you don't really need it why buy it, so it could sit in the corner or cabinet or maybe closet. My outlook on budgeting....

I keep my brain active by walking 12,000 to 15,000 daily, along with working two jobs, one full time and the other part time, raising my 3 year old granddaughter and volunteer at her daycare with special events keeps me going, reading, I also; play g...