More than ever, really give financial budgeting a try for it may open your eyes. You might think of a budget as financial handcuffs - meaning you are restricting yourself from spending money on the things you want. This isn't so. Instead, think of it as a means to achieve financial success. Whether you make thousands of dollars a year or even hundreds of thousands of dollars a year, a budget is the first and most important step you can take towards putting your money to work for you. You consistently charge more each month than you make in payments. You are working overtime to keep up with your credit card payments. You don't know how much you owe and really don't want to find out. You have received phone calls or letters about delinquent bill payments. Your credit cards are no longer used for the sake of convenience, but because you don't have money. With it, you will quickly understand the impact of your spending habit. It effectively helps you in every step you should make to improve your finances. Simple reminders on paying your utility bills and credit card bills on time, and updating you on your savings account are very helpful features of budgeting software. You are the only one who will refer to it on a daily basis so go ahead and make it your own. This way, it will also look more familiar to you. Many people purchase items with credit card more often than they would with cash. Always remember that it is better to buy items with cash as you are already free from obligations in the future. After the sumptuous meals had been munched down, after the drinks had been gulped down, and after the dress had been worn and laundered, the only thing that will make the couple and the guests happy after all the partying have died down are the photos. For years to come, photos will be looked upon, with brimming happiness, by the then bride and groom, again and again, and also by their children and grandchildren. We all want to live well and comfortably without busting our budget. We want to have the right amount of money when we need to pay the rent, utilities and other necessary expenses but still have some money left to buy those things we want. Oh, yes we want to have "financial control" as economists have put it.