Are your savings shrinking? Got credit card balances? Then it’s time to redo your budget

Following a budget is a smart financial decision. If you stick to a budget, you may be less likely to land in debt, and you may have an easier time padding your savings account on a regular basis.

But a budget isn't something you can simply set and forget. Over time, your budget may need an overhaul. And that's most likely the case if these three things apply to you.

Maurie Backman | USA Today

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