Even after focusing on finances for years, my stomach still sinks whenever I think about doing my personal budget. I truly think that a budget is the strongest tool at everyone has at their disposal to get control of their finances. It lets you decide how to spend your money, and it tracks it so you can stop spending when you are out of money. It puts you in charge of your financial future.
But that doesn't mean it is always easy to budget. Even understanding the concepts, and starting with a solid plan and a good income, it can be hard to make your budget work. Emergency situations come up, your self control wanes, and the call of buying something for dinner rather than making it can win. You need to work every day to make your budget work. It takes planning, dedication and commitment. But your budget is your key to cleaning up your financial future.