

Professor Ralph Giraud was recently featured in WalletHubโs latest article on Budget Categories, where he shared expert advice on effective budgeting. He explains that budgeting isnโt just about listing income and expensesโitโs about understanding fixed costs and determining how much flexibility you have for variable expenses. A well-structured budget can help you track spending, plan for the future, and allocate surplus funds wiselyโwhether for retirement, emergency savings, or travel.
Check out the full article for more of Professor Giraudโs insightful advice: https://go.rutgers.edu/ovuhh3w9
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