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Creating a budget can lead to a lot of emotions: fear, frustration, anger, guilt, anxiety; but it can also lead to calm and contentment. A written budget tells your money what to do for you. This control over your income and outgo, is the key to achieving financial peace.

Who:
Every adult family member needs to be involved in the budget process, whether they contribute an income or not. It’s important that each person’s voice be heard and their vote count. One person may create...

Not all expenses are paid monthly. Some come quarterly, semi-annually, or annually. Some don't have any particular schedule to them at all, but are out there somewhere beyond the horizon waiting to bite you on the posterior when you least expect them and/or least have the resources to handle them.

A successful financial plan should include a sub-plan for handling these irregular expenses. NOT having a plan to handle them is bound to lead to having other parts of the financial plan knocked...