No matter what age you are, I’m sure at some point you had a hard time making and sticking to a budget. Well, I’m right there with you. It’s hard to save your money and set financial goals when you are unaware of how much money is actually coming in and going out. A budget is simply a way to intentionally monitor your saving and spending.

If you're like me, I'm sure that you have some things that you have been wanting to save for or invest in. While I could wish up a money tree in the back of my yard for every little wish and want, the hard, cold reality is that I have to intentionally save for the things I want. Saving money is all about using delayed gratification to purchase the things you want and sometimes need.