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 cost of child care trumps rent —...
- 11 guaranteed steps to cut family spending
- My view: Utah should not raise minimum wage
- Balancing act: To keep employees, focus on...
- Warehouse clubs: Where to find the savings
- 40 percent tax on employer insurance primed...
- 3 reasons you should crowdfund your business
- Dave Ramsey says: Charging off a debt doesn't...
- My view: Utah should not raise minimum... 46
- 40 percent tax on employer insurance... 22
- Warehouse clubs: Where to find the savings 8
- A multigenerational hit: Student debt... 3
- The cost of child care trumps rent... 3
- Balancing act: To keep employees, focus... 2
- Want to see if your relationship will... 2
- 11 guaranteed steps to cut family spending 2