A budget is a plan for spending your money. You determine in advance whether you have enough money for the things you need and want. If you don’t have enough for something specific, it’s important to save money in one category to make room in another category. Think of budgeting and saving as basic tools to accomplish your financial goals.
The average cell phone bill in the United States has now reached $80/month. For a single line with unlimited talk, text, and data, AT&T, Sprint, T-Mobile, and Verizon charges between $60 and $80. Users on a family plan save some money, but not much.…
