‘If you don’t count your money, it will count itself,’ my father used to say something like that in his broken English.  He had a point:  if you are not careful with the purchases you make, you will run out of money.  You have to budget, so you have enough money for all your essentials.  Otherwise if you spend unwisely, you run out of money.  I think about my father’s words every once in awhile.  He was a wise man in his own way.

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