40% of American households spend more than they earn (Federal Reserve Bank), 61% of American households live paycheck to paycheck (CareerBuilder), and 57% of American households do not have a budget (Harris Interactive).

A budget is simply a plan for how you spend your money.  Many of us think we cannot afford to cut anything from our regular expenses.  Yet upon close analysis, we discover that we have expenses that zap money from our budgets without us noticing or without adding value to our lives. These are often incidental items that seem small at the moment, but can add up over time.

It is important to develop a spending plan to get control of your money and spending habits (Day 9).  Your spending plan must: 

1. Reflect your needs vs. wants (Day 5) 
2. Support your financial goals (Day 8).

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