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How to Create a Budget: 6 Steps to Get You on the Path to Financial Security

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Dive into a digital finance manager, excel sheets, worksheets and a homemade bill binder. Like Dave Ramsey , a personal finance expert, says: “A budget is telling your money where to go instead of wondering where it went.” It all feels a bit much. There are tons of tools—online and other—to help you figure it all out.

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How My Experience as a Black Entrepreneur Shaped My Views on Building Financial Freedom

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Unfortunately, the entire experience was spoiled by an incident at a popular breakfast restaurant. What if he wrote down my name from my credit card and used it to find out who I was? Through it all, I remain optimistic that better days are ahead, but I manage my finances and career more pragmatically.

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