For a lot of, to state times are tight financially can be an understatement. A recently available Bankrate survey revealed that three out of five Americans are just one medical emergency or unexpected car repair from emptying their savings, if indeed they have any savings to begin with.
Portion of the reason is that most of us don’t take time to properly budget — especially not the slow, inconvenient old-school way, via pen and paper. And everybody knows how well tracking profit our heads computes. It generally doesn’t.