Comments: Do you budget or smudget?

Introduction:

For July, Bankrate’s monthly Financial Security Index took a look at the budgeting habits of Americans. Our survey asked the question: “Do you, or does your spouse, track your monthly spending against a budget, or not?” The findings revealed that 58 percent of those surveyed track their monthly spending, while 40 percent do not.

We asked our readers to respond to why they do or do not keep a household budget, and here is what they had to say:

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