It is January so I know there are a lot of goals that we have set to accomplish for the year! One of the most asked questions in the GroupMe is about budgeting and saving. My response has always been the best way to save money is not to spend money. If it is not a necessity then your are not saving. However, I wanted to get a professional to explore it more in detail. Lindsay C. Smith is very knowledgeable about all things finance and budgeting! She has been with New York Lif