Knowing how much money you have and where it's going, makes things fall into place. Sure, things may look bleak in the beginning, but pretty soon you'll see where you can make adjustments. You'll know how much surplus income (I like to think of surplus income as strictly travel money. I don't use it for anything else) you have, and you can make a plan as to how you want to use it.

Believe it or not, there is a difference between creating a budget, and creating a functional budget. Creating a budget is easy. You sit down, decided how much money you think you should spend and try to follow it. Unfortunately, those types of budgets have a tendency to be unrealistic. That is why it's vital to create what I call, a functional budget.

It took me a little while to realise that the small savings actually made a difference in the long run. Once I realised it, I was hooked. That doesn’t mean I was a fanatic. I wasn’t.

Money doesn’t have to control you. It’s not the enemy. Learning to control your money, and how to pinch your pennies is hard at times, but it can be done. You can make your money work for YOU! I know I sound like one of those cash man commercials, but it’s true.

Now I know I am not the only person out there with money issues, but I may be the only person who did a happy dance every time her credit card actually accepted a charge. It was like playing a high stakes game at a casino. I am not even kidding you. Oh, and I think I may have thrown my arms up into the air with great joy a few times.