"A budget is telling your money where to go instead of wondering where it went." - John Maxwell
I've always been very bad with money. I can't think of a time in my life when I wasn't stressed about how all of next month's bills would be paid. I found out that I was creative, yes. But responsible? No.
For most of my life, I didn't really have a lot of money. The idea of "budgeting" wasn't something that we did. We just tried to make our paychecks stretch from payday to payday.
After a small series of fortunate breaks, I found myself in what I consider my first "real" job. In an office. There were benefits, and there was a larger paycheck than I'd ever expected that I'd make. It wasn't a windfall. But as a single man it