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Vitaliy Katsenelson’s Contrarian Edge: These smart budget tips will keep you in the money — and out of the doghouse

When I got married in 2000, one of the best gifts given to my bride Rachel and me was lunch with my friend Mark Bauer, a real estate broker in Denver. Mark and I became friends at the University of Colorado — he was always my dependable study partner.

A few months before our wedding Mark asked to have lunch with Rachel and me. At lunch Mark explained that many marriages come to ruin over money issues. A tool that has been helpful for me, Mark told us, is a family budget. All you do is project your “revenue” for your family (salaries and other income), subtract your expenses, and the result is your net income.

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