A budget is a plan for your spending – it helps you in making sure you spend on your ‘needs’ – those items that are essential to you and your family’s well being. It is easy to fritter your income on things that you do not really need – ‘wants’ – a bit here, a bit there, and there’s nothing left to help you get ahead financially. Download our My ĠEMMA budget planner. Start your budget planning today.

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