You worked your whole life…so that you can kick back and enjoy those ‘golden years.’ You have a list of ALL of the things you want to do…

Now, a budget is one of the most important things you can have for yourself and your family. Setting up and using a budget has many benefits.

Full confession…I never knew what a debt-to-income ratio was until recently. Not sure why that is…maybe it is because I have no debt. And, as retired people, our income is on the lower scale of incomes. PLUS, I am not trying to buy any new purchases that are large.

Does the holiday season seem to catch you off guard…every single year, even though Christmas is December 25 EVERY YEAR?

Struggling to pay off debt? Ready to get those credit card balances to ZERO. Ready to have cash in the back and stop the ‘I owe, I owe, it’s off to work I go’ song?

Do you have credit card debt? How about other debt? Wouldn’t you just love to pay off those bills, stop paying interest, and have extra cash in YOUR wallet?

So, how do you, as a couple, mesh your different thought processes together and agree. Because agreement is really important here. 80% of the root cause of all divorces is money.

The purpose of a budget…is an opportunity for you to plan ahead financially, create and organize your financial goals, and track your spending habits. ALL of this happens so that you can improve your financial situation.

A budget is a plan for YOU to tell your money where to go…rather than your money bossing you around. In order for that to happen you need to establish a budget based on your income and your spending