Yes… The “B” word. Do not avoid it, do not deny it, but face up to it. If managed properly, a budget can change your life and impact everyone in your social life in a positive way. If you map out your budget in Excel in such a way where your expenses are in rows and the columns control for time, then you can successfully manage and allocate exact funds towards anticipated normal recurring expenses from month to month. All you have to know is how much you earn each pay day, and who it is you normally do business with each day and on what precise day money comes out of your bank account. Knowing these fundamental things can turn you into a rich person over time with your own income, so long as you practice living within your means and not purchasing things you cannot afford. How else can you ever determine if you can “afford” something unless you build a budget? This is wise advice.