You may have control of your budget. I hope you do. That is crucial to keep out of debt. If you are falling behind, let me recommend my site: www.DeliveranceFromDebt.com
I am impressed by this site: https://www.mint.com
It has all the tools you need to manage your money.
If your teenage children are ready to start basic budgeting, this is a good place for them to begin.
Good habits are easiest to adopt when learned early. Budgeting is one of those habits.
Every local church should offer courses in money management. It is astounding to me how few people get courses on this in high school.
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