Okay, its time for THE talk....

Yes, Budgets.

You have heard it before, maybe in school, maybe from your parents, or spouse, or your Financial Advisor.

You need a budget.

Well you do.

But listen, this does not have to be a big deal were you spend hours a week and have to eat ramen noodles for dinner to stay on budget. This can be an interesting and eye opening experience! Really! Bear with me...


All you need to do is start keeping track of what you spend each day, and then each month. Then you need to write in those bigger annual expenses you might have. And there you have it, your budget.

Your budget should be a picture of what you really spend right now. If we don't know where you begin, how can we honestly get you to where you want to be?

Once you have an honest, truthful listing of what you spend you can see where spending is out of control (I'm looking at you JCREW) and where it is right on.

So begin today in any form or fashion you like, paper, excel spreadsheet, or online at Mint.com which is what I use.


Once you have that budget set, you are reviewing it often and comparing it to reality, revising it, then we can begin to do the one thing everyone tells you that you need but you have no idea about the words coming out of their mouth..........................

SET A GOAL!