Getting smart about your spending gives you more breathing room, even during times of high inflation. If you do it right, ...

With this spending plan, you dictate where you want your money ... This can include everything from a purchase you want to make for your home to how much you want in savings when you retire.

For example, Rocket Money is an app that helps you make budget plans, negotiate your bills, and reduce your spending — and it has a free plan. Some budgeting apps offer credit monitoring ...