No one likes budgets. You don’t, I don’t. But a budget (I call them Spending Plans) does help us to spend less and save more. One way to customize your budget to fit your needs it to create categories for the different expenses that you have.

This is part of our Financial Literacy Month Question and Answer series
Question: Cindy, do you have any quick and easy ways to make extra money? I’m interested in putting some into savings and paying off some debt, too. Thanks. ~ Jayne
Answer: Good question, Jayne. There are many ways to make extra cash even when you are working full time. One of the best ways to make more money in your spare time is to do something you love and to find someone who will pay you for it. Here …

This is part of our Financial Literacy Month Question and Answer series

Question: I want to start a business. Do I need a separate checking account? ~ Monica
Answer: Monica, with a small business it is very easy to mix business and personal expenses especially when you’re just starting out.
For some people the business started out as a hobby or a way to make a little extra money on the side. There wasn’t much thought to profit or a permanent enterprise at the time. All of the money …