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Before I decided to implement a budget, my finances were in a horrible mess. I owed money to various credit cards and had no idea what the balances were or even what the minimum payments were. I skipped payments and fell behind on almost every bill I had except for rent. I had a vague idea about how much money I was bringing in monthly and I had no plan for the following week let alone the future.Having a budget keeps you on track with everything financial and allows you to work out a plan for your money. You can plan for groceries next week or a vacation you want to take next year ...... See More
In my opinion, a budget is the cornerstone to achieving all your financial goals. I know it can sometimes come across as a dirty word that no one wants to think about, but trust me; it is the key to your financial survival. Whether you are living paycheck to paycheck on a very low income or you have extra money left over after all the bills are paid, you need a budget. But where do you start? Forget past blunders and failed attempts to set up a budget. Discard them just like last year’s resolutions that have fallen to the way side. Budgeting is a path to freedom that will ...... See More