For many people, tax time and an unexpected tax bill bring shortcomings in family financial planning into painful focus. Yet often the attempt to bring financial balance is itself a painful process that leads to failure and frustration. Many treat their budget like a New Year's resolution and ignore it after a few weeks. Then they spend like the U.S. government but run into trouble when, unlike the government, they can't keep on deficit spending. Without a budget, things can spiral out of... Read this story
