Silver coins falling on United States of America one dollar bills. Concept of finance, economy, and business

Comment articles reflect the opinion of the writer(s), not the Rapp News. Comment below or by writing a letter to the editor: editor@rappnews.com.

A finite amount of money and a seemingly endless number of (growing) expenses. Sound familiar? How to manage? Conventional wisdom says, “Make a budget and stick to it.” That’s easier said than done, of course. There are many budgeting tools available online, from your bank, and elsewhere, but that’s not where to start.

Recommended for you