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Choice is wonderful.

Choice represents the exercise of will over a number of competing attitudes, understandings and social background which will decide which path you take. In many cases, if not most, it represents a conscious decision whether to spend your money on an adventure or on some product or to simply NOT spend your money, but to save it.

Saving money, if that is your choice, then presents further choice regarding what you are going to do with that money. If you simply exchange the money for another asset or dispose of it by consuming goods or services you are obviously exercising your choice option.

ALL budgets, including investment budgets should be put into place and then followed, but make sure that the option you choose has been weighed up against the alternatives that always exist.