Underlying reasons for overspending. Sorry to break it to you but you could be the reason... This article outlines the most common reasons for not succeeding with a budget. It's the first step in getting your money on track.

Read my expense report. It's unbelievable how much we give companies. Figure out your expenses for 1 year. What is the total of your yearly bills and expenses? Is it more than you thought it might be?

A budget is not about restricting your spending, it's merely a guide for spending. A tool everybody needs to improve their life.