Are wants and needs circumstantial? - Participation Opportunity

I really think budgeting is just about practice. The more you track, the better you are at determining what you need to survive and save.

Office.com (<-Link)has some pretty handy templates you can download and use for the purpose of budgeting. If you have an opportunity to look these over, let me know which one you chose, and why.

I think this is a very personal item that individuals have to assess on a case-by-case basis. I think thisarticle by Dave Ramsey(<- link) is super helpful. Please take a few minutes to read it and let me know your thoughts.

Note! to be answered in first person point of view