Individuals spend more time than ever working but still struggle to make ends meet, with 40% of Americans saying they can’t cover a $400 unexpected expense.    Even those with sufficent income, often feel they don't know where the money goes.  Many individuals hope for the day when they have "extra money".  

What if we approached it from the perspective that there is no such thing as extra money.  It is just money.  What we choose to do with it requires good financial data, a plan and a change in perspective.

Don't let the word budget intimidate you.  A budget is simply a tool to not only identify where your money is going, but to help you strategicly control how it is applied towards your financial goals. That plan will start with basic needs, address short-term and long-term savings goals and debt reduction.   Used effectively and with realistic expectations a budget can help you take control of your finances, reduce stress and increase wealth.