As if you have enough money that you need a running tally.Whatever you call it, do it, says Buie, of Financial Planning Group. They shouldn't.In a non-scientific survey the newspaper sent to 5,000 members of the Financial Planning Association (www.fpanet.org/public), the 260 who responded ranked ''sticking to a budget'' as the third-most-valuable step people can take to improve their financial lives, after ''establishing goals'' and ''paying yourself first.''The spontaneous purchases really hurt,'' says financial planner Alice Bullwinkle of North Star Financial Direction in Lakewood, Colo. ''People shop for fun, and they don't want to go home without something.''....
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