Growing up, many of us heard, “You can have whatever you want, as long as you work hard for it.” So, what does that mean? Does it mean find a good job, earn good money and then buy what you want? No, that’s not what it means — but that’s what many of us do or have done. This statement is saying, “Plan your money right, and use it wisely.”

Let’s talk about this plan — the budget. Your budget allows you
to direct your money toward your needs and wants. Our guilty pleasures is one area where we all spend our hard-earned money.