It amazes me how some people are simply afraid of a budget.  A budget is nothing more than a plan for spending your money.  You can plan to spend all of it, you can plan to spend some of it.  But, to get control of your finances, you must plan how, when and where you are going to spend your money.  The problem that some people get into is that spending just “happens”.  By controlling your spending, you can manage your money effectively and make the most of what you’ve got.  Either you control the spending, or it will control you through debt.  If you are in debt, a budget will help you make a plan to get out of it.  May take some time (okay may take a lot of time) but each step forward is progress.  Check out some of the budgeting articles, tips, and ideas at NotMadeOfMoney.com.  Get started today on that budget!

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