The word “budget” can conjure a dreary image of scrimping and sacrificing, so many people avoid the subject altogether. But creating and following a budget can help you to have the money for things you want.
 
Make a list of all the items, large and small, that you need or would like to have but don’t think you can afford. Many of them may be within reach if you budget well. Think of creating a budget as a financial strategy for your dreams. Doesn’t that sound more appealing—and more manageable?