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MarketWatch and Learn: How to make a budget

Everybody needs a budget. You need a budget to save and spend money, and you really need a budget if you need help getting out of debt. If you don’t have a budget, you’ll always wonder where all your money went and it’ll seem like you never have enough. With a simple but realistic budget, you’ll start saying, “Where did all this money come from? Oh, I know. I saved it.”

Despite the fact that creating a budget is fairly straightforward, more than two-thirds of Americans do not have one, according to Gallup. The scary part: By neglecting to create and follow one, they may be putting their families at risk.

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