Why Budgeting or shall I say tracking where you place your money is so important? If every month you create a habit of creating a list of what you spend your money on, you will start to control what is important to you. Some people love to buy cloths, others love to go out to eat, & some even collect multiple sources of income all over the world. Cigarette Smokers for instance, would it impact you to know that 1 pack a day at $5.00 a day for a year is $1,825 & you can own a stock that pays you dividends for the rest of that companies life for as little as $135 a share or $10 that pays you dividends. I bet if you started collecting those stocks today you might get a little further financially then you could ever imagine. If you have a hard time creating a template you can google one online or even go to The Every Dollar App & download it on your phone. I’m sure there are other ways as well. I learned this while taking the Financial Peace University at church. It was a very eye opening experience when I realized where my money was going & started to notice some unhealthy habits I could start to correct. I always recommend not connecting it to your banking or credit card accounts because it is not up to the minute or even the day that it truly shows on your bank, so best if you just add the transactions as you go. Kind of like a checkbook ledger but cooler because you can modify it to your personal life. As I learned to create a habit of writing down what I’m spending all my money on I ran into this awesome game called The Rat Race. It is a great game to show you how to get to financial freedom. I love playing this game with my family. It has thought my oldest daughter & myself a lot about financial freedom.