Why should I create a budget? It seems so unnecessary.

A budget serves many purposes.

* It is a tool to help you set and meet financial goals

* It is a yardstick against which to measure the financial health of your program

* It can be used to help you control your expenses, plan ahead, and make better financial decisions 

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Should I pay down my credit card loans or invest in an IRA?

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If I form an LLC do I still need business liability insurance?