I agree whole-heartedly. If I can think of additional tips, I'll write
another comment. Thank you for the timely article!
Overall I agree with what is suggested in this article. However I disagree with
one comment "... budgeting, which can seem overwhelming and too big to even
touch." I would never say anything to discourage someone from
using a budget. It does require some effort but it isn't as bad as this
article makes it seem. A budget is a powerful tool to help you set and meet your
financial goals. A budget is very much worth the effort. Every suggestion in
this article will help with your budget.