I’m sure all of your inboxes are flooded with Black Friday deals and the multitude of ways you can spend your hard earned money on stuff; and I want to make sure that you receive what I feel is the best offer in your inbox, and that’s the offer to NOT spend your money.

Hearing the word budget is about as fun as hearing the words “diet” or “root canal.” And yet a budget is one of the necessary keys to financial health.