Why You Might Need A Budget – Including A Free Budget Spreadsheet

Budget. I’m not sure there is a more polarizing word in personal finance. Some people cringe at the mere utterance of the word. Others give it a more friendly name like “spending plan”. Both hated and loved, a budget is an important financial tool that can be used in a variety of ways to guide you on your financial path. Whether or not you currently use a budget, it’s worth discussing when having one might be a good idea.…