How to Create a Budget You’ll Actually Stick To

Most of us know we should have a budget. The tricky part isn’t writing one, it’s following it. If you’ve ever made a budget only to abandon it a few weeks later, you’re not alone. The secret is building a plan that’s realistic, flexible, and personal to your lifestyle. Here’s how to create a budget you’ll actually stick to.

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Why Every Dollar You Don’t Borrow for College Matters More Than You Think

College can feel like a strange contradiction: you’re building your future while balancing costs that could follow you for decades. And for a lot of students, the pressure to “make it all work” leads straight to student loans. They're easy to get, easy to ignore, until they’re not.

Here’s the part no one says out loud:

Every dollar you don’t borrow now is one less dollar you’ll owe (with interest) later.

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