Learning to budget isn't easy, and living it once you have one can be even harder.
In fact only one in three Americans even bother budgeting at all. And who can blame them? Sometimes it seems like budgets function more as an unrealistic exercise in self-control than as a practical plan for a debt-free future.
Nonetheless, a disciplined budget — when used correctly — can make all the difference in a family’s financial stability.
The key ingredient in applying most budgets, however, isn’t discipline alone, but creativity.
That's why the Deseret News has spoken to three budgeting experts to help provide some tools and insights into not only creating a detailed budget, but living one as well.
- How expensive is your ego?
- Students using loans for easy money, not a...
- How will students pay for soaring debt? Tax...
- Beware: Tax season is scam season
- Nickel and dimed: How pennies and nickels are...
- Balancing act: Lunch breaks make for a tasty...
- For women, lower grades might mean more money
- Dave Ramsey says: Don't waste your time,...
- The disappearing 401(k) and inequality 20
- Utah unemployment rate hits five-year low 18
- Dave Ramsey says: Don't waste your... 16
- How will students pay for soaring debt?... 8
- Nickel and dimed: How pennies and... 4
- Randy Shumway: China is a vital... 4
- For women, lower grades might mean more... 2
- Survey: Cost a growing factor in... 1