Financial wellness is a process that begins first with dealing with any financial emergency, then developing financial goals and achieving them over a period of time. How you want to or plan to spend your money requires that you first establish a budget, or cash management plan. Without a written budget to guide your finances, you will undoubtedly develop a spending pattern that is not conducive for personal financial success. Therefore, developing a written budget for where you want to direct your money is all-important within the context of achieving personal financial success. In addition,...