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.
- The best Black Friday deals of 2014
- Can a cash grocery budget save you money?
- Why Utahns are some of the biggest spenders,...
- 4 reasons why you shouldn't shop on Black Friday
- What women can do to prepare for retirement
- Our complete guide to Black Friday, Cyber...
- Adults expect to spend $720 on gifts. Here's...
- Immigration reform will boost the economy,...
- Working on Thanksgiving Day? Here's why... 12
- Why Utahns are some of the biggest... 12
- In our opinion: Fear, intentions can... 7
- Immigration reform will boost the... 7
- Thanksgiving trumps Black Friday for deals 4
- Why Salt Lake City is one of the best... 2
- What women can do to prepare for... 2
- US stocks inch further into record... 1