Many clients tell us ''We're earning money but aren't sure how we spend it. Our bank balances just don't reflect our earnings."

This is common in many households, even those earning average or above-average incomes. It happens. In today's world, we lead busy lives and make far too many decisions on the fly.

Having a budget and sticking with it establishes positive habits. It ensures that bills get paid, and there's money in the bank while still enjoying life's small pleasures.