Having a budget is the first step toward financial freedom.  Creating one will enable you to track your spending, save up for big purchases, control your credit card expenses, and gain financial wealth.  While it may seem like something that everyone does, it’s amazing how many people work hard and do not have a budget. [...]

Congratulations! Most of you have made a tremendous step towards your personal finances by even starting a budget. Although difficult, it has become a necessity for many in this rough economy. Be that as it may, there are some other things you can do to make a real difference and even give yourself a raise! [...]