Planning and sticking to a personal budget can be tedious. Actually, a lot of people dread budgeting as much as they dread going to the dentist. Unfortunately, you do need to take time to design and adhere to a budget, but the benefits of doing so are infinitely greater than the costs. Budgeting is the first step to saving money. A budget is your guideline in spending your hard-earned money to make sure you save money and only spend what you can afford. This technique ensures a surplus you can use to pay off any existing debts or save for the future. When you live on a budget, you must make...

Eliminate Debt By Stopping Your Credit Card Addiction Starting Today Organizing your life can be a constant battle against laziness. When you fail to do scheduled tasks, you are letting that part of you win. To be successful in this one-month self-organization challenge, it is important that you acknowledge that this part of your personality exists, but that it is not your true self. Your true self is responsible and can make the right decisions based on the circumstances in front of you. When you are at your best, you can achieve the goals that you put your mind to. However, for you to be at...