Budgeting is one of the most basic and simple tasks we undertake with debt skyrocketing today, it’s obvious that we need to take a step back and get back to financial basics! Today we talk to Phil Halfpenny, author of The Art of Budgeting, about some basic tools we all can implement to improve our budgeting habits.

Check out Phil’s Book here:

The Art of Budgeting

Get the same ‘wheel book’ I use here:

Wheel Books

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