I had a great conversation with Bobbi Olson (a.k.a. "CentsAble" Bobbi) on her Podcast, CentsAble Chat. She has a real heart for teaching and helping people figure out what to do with their money.
Bobbi is a certified budgeting geek and knows that budgeting is critical to getting and keeping your finances on track. Without a budget or as I call it, spending plan, it's going to be really hard to build wealth. A budget is planning how to to spend your money. That's why I like to call it a spending plan. You're telling your money where to go and what to do. When you do that, you're taking control of your money, your life and your future.