Its the first week of December. We all know that this is the month of spending our years savings, at least for those who have had something to save. However because we are so used to spending recklessly to some extent during the festive season. To the point that we forget about the so called “JANUWORRY”.  Why not plan your year today. January is the month of new beginnings and resolutions, if you haven’t been living the life you want to live, I’m here to help with this 2019 budget plan. Of which you can use to plan ahead. With this budgeting tool you can never go wrong. WHY BUDGET?…