o you have a budget already? Is it actually working for you? Having debt is one of the main reasons for stress and anxiety in America. Most people have debts that need to be paid (student loans, mortgages, credit card loans, etc). In order to pay them on time and at a good pace, a budget plan is required. The sooner you pay your debt, the better! If you think that budgets are for poor people, you are wrong! I say it again, everyone should have a budget.