Everybody has gone through money struggles in their life. It’s a rite of passage into the wonderful world of adulthood. Everybody’s had a need for a bare bones budget, whether they’ve recognized it or not. My moment? I was in college, and I had 6 cents (yep, $0.06….1 nickel and 1 penny) in my bank account. It was nearing the end of the school year so the money I had made the previous summer had run out. I figured…