So what exactly is a budget? A budget is merely estimating income and expenses for a given period in time. Consider it an intentional plan to assign every dollar a responsibility, if you will, where your income minus expenses should equal zero; this is called a zero-based budget. Before the beginning of each month, take some time to create your budget for the upcoming month. You may be surprised to discover that you have money that you didn't realize you had. You may find that you were careless with your spending, which caused you to feel like you were living paycheck to paycheck. Maybe you didn't realize just how much you were spending in a particular category. Whatever the case, creating a monthly budget will help you to be intentional about what's important to you. What's spurring you into action, what is your why? Are you trying to get out of debt so that you can build wealth and save for retirement, start saving for ki...