Personal Finance Advice

On one of the financial forums I frequent, a woman who was deep in debt posted looking for help. The main problem was that she couldn’t understand how their debt had ballooned because, “We have a budget.” When other posters started asking for more details, it emerged that she had gotten a budget sheet out [...]

I’m sure you’ve heard that if you want to be successful in getting or staying out of debt, you should craft a budget and stick to it. Does this really work? I suppose for some people it does, but it’s really never worked for me. That is until I stopped caring so much. The problem [...]