What Is a Budget? A budget is a simple yet powerful financial tool that helps you manage how you save and spend your money each month. Simply put, a budget helps you take control of your money instead of wondering where it went. When you create a budget, you can clearly see: How much money you bring in (your income) Where your money goes (your expenses) Once everything is laid out, you may begin to spot areas where you can cut back, reallocate your spending, or start saving more intentionally. According to Debt.com’s 2025 Budgeting Survey, over 86% of people say they budget regularly, and among them, more than 84%… read more »

Are you ready to stretch those financial fitness muscles? We hope so, because it’s time to get financially fit! Being financially fit means living a life of complete financial responsibility. The Center for Financial Services Innovation (CFSI), also known as the Financial Health Network, defines four basic components of financial health: Spend, Save, Borrow and Plan. These components reference everyday financial activities. Therefore, Every choice you make in terms of these four activities either builds or detracts from your financial fitness. Like physical fitness, you can beef up those fitness muscles a little bit more each day. Being financially fit is crucial for a well-balanced, stress-free life. Here’s why (and how):… read more »