It’s the new year — time for all of us to figure out how much to spend each month, each week, and even each day to stay within our annual budget. Whether we’re scrutinizing our credit card bills, using Excel, or mastering the latest slick online budgeting tool, the goal is the same — deciding how to spend within our means on everything from rent to groceries, to clothes, to vacations, to home repairs, to Milk Duds.


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