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.
- BYU grad strikes gold teaching via online...
- The 10 most livable small towns
- Dave Ramsey says: Don't leave an estate with...
- There's a video for that: How YouTube brings...
- Remodeling? Experts say some projects add to...
- Plan to simplify 2015 health renewals may...
- All families need to have the financial 'talk'
- Closet clutter: How having fewer,...
- Most American high schoolers don't know... 14
- Fast food workers vow civil disobedience 13
- BYU grad strikes gold teaching via... 11
- Dave Ramsey says: Don't leave an estate... 10
- Does getting married really increase... 8
- Remodeling? Experts say some projects... 5
- Balancing act: Survey says lack of... 4
- Sneaky tricks restaurants use to make... 3