Dear @financialadvice

Interesting choice of topic. Upvote on the way :)

I just discovered your profile a moment ago and I found this publication really worth reading. Budgeting is a must and I'm trying to teach my wife how to handle it. Ain't easy task I tell you.

ps. i realized that telling someone "I've no money" doesn't sound good. But saying "my budget is limited" sound so much better :)

If you spend more money than you receive, you will eventually go broke!

Excelt of banks and goverments, which can create more debt, print more money and carry on with their over-spending.

Yours,
Piotr