Everyone needs a budget. There, I’ve said it. Normally, I don’t give advice just suggestions but this is real actual sensible advice. Everyone needs a budget and a budget must be written down. A budget isn’t about deprivation, it’s you giving yourself permission to spend. You decide what you do with your money every month. There are plenty of people with tiny incomes who save and put money aside for when they need it and plenty of people who earn a lot of money and spend it all so have no savings. It’s up to all of us to decide which one they want to be. We made big financial mistakes in the past and spent everything we earned and then borrowed for projects such as buying a car or house renovations. It took a written budget to get us out of debt and a written budget to get us …