Although budgeting may seem like a drag, being in debt is even more of a downer. By getting a grip on your spending, you can build your savings and improve your credit score. So, what really is a budget? A budget is a plan for your future income and expenditures over a set period of time. Typically, a budget is used to guide your spending, savings, and investments.
Since it will be difficult to invest if we spend all our income,