Secrets to Budgeting Bliss

As a financial coach, I have clients asking me about retirement planning (“We’ll get there one day, right?”), college education savings accounts (“How are we possibly going to afford it?!”), and improving credit (“The outstanding balance just snowballed...”) almost every day.  And almost every one of those topics leads me to ask the question, “Do you keep a budget?” No matter the situation, most of my clients (and about half of the...