- Do you carry balances on your credit cards?
- How would you manage if you had no income for six months?
- What would you do if you had to save more to meet your goals?
Say the word “budgeting” and most people will cringe or groan. They immediately think of tedious record keeping and then start feeling deprived. But all budgeting means is deciding how you will spend your money in advance so that you are making regular progress toward your financial independence.
We’ll help you understand the difference between good and bad debt, make sure you have enough set aside for emergencies and special opportunities, and, if needed, help you gain control over your spending.