Do you cringe when you hear the word budget? My younger self certainly did. A budget screamed deprivation. It was the unbearable straight jacket that would suck all the joy out of life. Not to mention the fact that budgeting seemed intrusive and time-consuming. Let’s face it, budgeting sounds as inviting as getting up at 5 a.m, to hit the gym. Perhaps that’s why a … [Read more...]