|To live within your means; to spend less than you earn, is going to require a plan. A financial spending plan is called a Budget. Please do not jump off the roof of any nearby buildings; it is not that difficult. A budget is nothing more than a plan. If you do not know where your money is going, how can you possibly hope to make any changes in your spending? Remember that Financial Joy and Peace we are looking for? Joy and Peace will be the pay-off for our planning (Budgets) – It will be worth it.