Here's a piece of advice I give to anyone asking me about budgeting. Give 10%. (The first 10% is the easiest to give.) Save 10%. Play with 10%. (Do it in this order.)
Once this is a habit you can then ramp up the giving and saving sides.
The playing with 10% is really important. We need to enjoy life. A frugal life with no joy is a life missed and a reckless life of spending without giving or saving is a life wasted.
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