Photo - CCO License Many of us have grown up with the belief that personal finance needs to be complicated. We think we need to track all of our expenses in an app and set limits on how much we spend on groceries and takeaways. Ultimately, it's all about control and limiting our spending instead of living the lives that we really want. The issue here is that willpower is rarely the fundamental problem. Strict budgets lead to an excess of decision-making. At every turn, you're

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It's no secret that raising children and managing a household is expensive - especially now with the cost of living through the roof....