Many people do not want to hear the word budget let alone draw up one for themselves. They think they know how much they earn and how much they spend and there is no need to put them on paper, or you hear them say there is nothing to budget anyway!  Sure enough they keep plodding along day in and day out trying their best to keep the ends meet without doing anything creative to improve their financial situation.

Budgeting is a planning tool to use so you can get a clear picture of your income and expenses for a given … Continue Reading