No matter how much income you earn, it’s essential to have a plan for your money. Otherwise, there’s a good chance you’ll find yourself overspending, struggling with debt, or failing to reach important financial goals in your life. Keep in mind that budgets aren’t about restrictions or forcing yourself to do without. Instead, a budget helps you organize your finances so you can accomplish the objectives that matter most to you. Yet even though budgets are important, creating one can sometimes feel inti ...