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Does your budget never seem to balance the way it should? Are you constantly digging into the savings to make ends meet?If you find that your budget isn't doing the job, then it's time to take a good look at essential components you might be missing or you have not allowed sufficiently for.
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Budgeting. It's a word we're all familiar with. Everyone knows what a budget is, right? Yet how many of us actually make and stick to a solid monthly budget? The truth is that most of us start out with the best of intentions, but an unexpected expense comes up and busts our budget.
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The honeymoon is over! How times have changed from those glory
years when you and your spouse-to-be were footloose and fancy
free. You were dating, having fun, planning your dream wedding,
the vacation on some exotic island and then living happily ever
after.
Now, you've settled into the routines of life: work, paying the
ever-increasing bills, and perhaps
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