Summary: In matters of budgeting, there are two clear camps of consumers: them, and the rest of us.

They are the people you ask to calculate what everyone owes when there are more than two of you dining out. They know exactly how much they spent on ATM fees last week, last month, and last quarter. They balance their checking accounts down to the penny. Daily.

The rest of us? Well, we swear that tomorrow, we really are going to sit down and make a budget. It’s not that we don’t mean it — it’s just that we have issues with following through.

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