If you don’t have a budget it’s extremely difficult to know where you stand financially, to say the least. There are some people however who have set up budgets, which is excellent, but don’t use them as well as they could, which is less excellent. With that in mind we’ve put together a 2 Part series on creating a budget that you can work with.
By the way, the first part of working with any budget is to remember that it’s simply a tool to make you aware of where you spend your money and a guide that helps you to spend only on the things that matter most to you. … Read the rest