Struggling with Budgeting? Four Tips to Create Your Optimal Budget

It can be extremely difficult to create and follow a budget, especially when you have never followed one before. People often struggle because right off the bat they try to create a budget that is not based on reality or on their reality.

My Three Tweaks to Dave Ramsey’s Total Money Makeover System

I often hear people getting discouraged by the Total Money Makeover system because it's quite aggressive. The steps seem daunting and takes an extremely long time to complete. It can often feel like you have to put your life on hold until it's done.