The budget is the most crucial ingredient in managing any household and/or business budget. To get out of debt, you must understand that the household is a business. The household must be profitable, like any business model. Many people talk about their shortage of funds but never look at managing the money they do have. Developing a good budgeting strategy will allow you to isolate and analyze your spending habits. This is the most important starting point in getting control of your spending habits. It will also allow you to see where expenses can be reduced and find monies to invest in your future savings and investment strategies.  Even after budgeting and expenses are reduced to needs vs. wants. You may discover that you need to make more money. This program is designed to help you do that, but first, your monthly cash needs must be clear and under your control. 
 
Don't be afraid to address this critical issue. It is a normal fear reaction of not wanting to see how much money you are overspending each month, but it is necessary.  Most people get into trouble because they are tracking their spending in their minds, instead of putting it in writing. You want and need to get a clear picture of your monthly spending habits and isolate those areas where spending can be reduced. Even if you don't see where you can reduce your spending, most importantly you will have an established budget.  You must understand and control your spending and live way below your ability to earn.   If you are living above your means, this tells you that your education and skills need to be upgraded to increase your earnings.  Living above your means, also tells you that you are borrowing against future earnings, digging a deeper financial hole for yourself. The purpose here is to get out of debt and create wealth. This requires doing something different. When you enroll in the 52-week Family Wealth Literacy and Relationship Building Workshop. YOU will learn how to develop strategies by working on your budget every month.