Having a family budget can be important because when a familys expenses are being carefully monitored it is less likely that a family will outspend their earnings and more likely that they will save money. If a family is in debt saving money is an important part of removing that debt. It is possible that if there was a budget in place before the debt happened the family may not be in debt at all. Budgets are like plans and it can sometimes be helpful to have a plan for managing money.
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