When most people hear about creating a monthly budget they run the other way in fear. They just don't know where to start. It certainly wasn't something that most of us where taught in school. However, it would have been more useful than some history lessons.
Plan Instead of Panic _ But this is no time to panic. It just the time to find out the truth. As one major advertiser tells us, even if it is not good news, it is good to know! When you figure out where your money is going, you will be able to fix it. If you have no idea where your money is going, the problem will just get worse.